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

This was the letter I sent the FTC... 

I am writing to file a formal complaint against all three major credit bureausXXXX, XXXX, and XXXXgarding discrepancies in my credit report and the ongoing reflection of a poor credit history, which has severely impacted my financial well-being. 

My personal information, including my Social Security number, has been compromised in the past, leading to fraudulent activity and erroneous entries on my credit report. Despite repeated attempts to rectify these inaccuracies, the credit bureaus have failed to address the issues effectively, resulting in continued harm to my creditworthiness and financial standing. 

The discrepancies in my credit report have led to unjust denials of credit applications, making it increasingly difficult for me to access necessary financial resources for basic living expenses. This situation is unacceptable and has caused significant distress and hardship for me over the years. 

I urge the Federal Trade Commission to intervene in this matter and take appropriate action against the credit bureaus for their negligent handling of my personal information and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. The FCRA mandates that consumer reporting agencies, such as XXXX, XXXX, and XXXX, maintain accurate and up-to-date information in consumers ' credit reports, which clearly has not been the case in my situation. 

Furthermore, I believe that the credit bureaus ' disregard for my previous claims and their continued inclusion of inaccurate information in my credit report constitute a violation of Section 611 of the FCRA, which requires them to conduct a reasonable investigation upon receiving a dispute from a consumer. 

I find it unethical and unprofessional for these companies to neglect their duty to ensure the accuracy of consumers ' credit reports, especially considering the significant impact that such inaccuracies can have on individuals ' financial lives. 

I request that the Federal Trade Commission thoroughly investigate my complaint and take decisive action to compel the credit bureaus to correct the errors in my credit report, cease any further dissemination of inaccurate information, and implement measures to prevent similar issues from occurring in the future. 

I believe that the credit bureaus ' conduct violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : * Failure to maintain accurate credit information ( FCRA 623 ( a ) ( 1 ) ( A ) ) * Failure to conduct a reasonable investigation of disputed information ( FCRA 611 ( a ) ( 1 ) ( A ) ) * Failure to correct or delete inaccurate information ( FCRA 611 ( a ) ( 1 ) ( B ) ) * Failure to provide a complete and accurate disclosure of consumer rights ( FCRA 609 ) Thank you for your attention to this matter. I look forward to your prompt response and resolution of the issues outlined above. 

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

Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$42000.00} XXXX XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

On XX/XX/2019 my Citi Bank credit card was charged {$420.00} by a merchant known as XXXX XXXX and XXXX. I called this merchant to perform a check of my air conditioning system at a rental property owned by me. I was not contacted by any representative of the company ( other than a text notification telling me the service provider was on his way ) until after they had unilaterally decided to perform a $ XXXX+ dollar refrigerant refill on my unit, at which time they demanded payment and charged my card. This may have been fine, however, the unit neither had a problem with refrigerant levels nor was fixed by their service provider. I engaged a second tech at this company who came out to service my unit, when guests alerted me nothing had been fixed, who subsequently told me upon arrival that I needed a new compressor and that the issue was not with the refrigerant at all. Keep in mind these two techs worked for the same company and gave me completely different explanations of my problem, neither one fixing it. I was informed it would be a {$2000.00} fix. At this point in time I contacted a new provider, XXXX  XXXX  and XXXX, whom immediately came out to service the unit, informing me the problem was what is known as a filter dryer, and fixed it the next day at less than half the cost that was quoted by XXXX XXXX XXXX who by the way would have replaced the compressor and not addressed the problem at all ). The tech from the second service provider also informed me that my AC filter was missing and had been taken by the previous technician. I have documentation to support all of this. I believe the initial service provider, XXXX XXXX, was taking advantage of me as consumer with little knowledge of AC systems, fixing things that didnt not need to be fixed and charging me exorbitant amounts of money to do so, all while not even getting the AC system to work properly. They refuse to address my claim with them and Citi Bank has now reversed the dispute in the merchants favor with no ability for me to counter. I need help resolving this matter.
Product: Checking or savings account

the account was closed for fraud but reopened, they say they sent a check but i did not receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccuracies that have been reported on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have noticed inquiries that were not authorized by me. I have Previously requested removal and you failed to reply. 
I would like to request that these inquiries be removed from my credit report as they are affecting my credit score and causing me undue stress and inconvenience. In addition, I am entitled to monetary relief as per the provisions of the FCRA, as established by the Supreme Court of the United States in the case of Spokeo , Inc. v. Robins on XX/XX/XXXX. 
The following inquiries are in question : Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Report Act XXXX XXXX, XXXX XXXX, has violated my rights. 
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 an account without my written instructions. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

report to XXXX XXXX XXXX XXXX. Still not on my cr report i dispute the collection. XXXX   XXXX put on both XXXX XXXX equfax collections. XXXX  never bill me since XX/XX/2018. I took the free trail for 30 days and return all equipment. Now in XXXX I am in collections. now they say its a installment fee. Sales dept in XXXX when i order it, they said there is no install fee. I am tried of their lies just to get a sale, com, promo. This unfair business practice needs to stop. I want the XXXX off my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with XXXX5 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : XXXX XXXX XXXX {$1300.00}
Product: Student loan

I currently get my private loans through XXXX. I got these loans when I started my 2nd year of college. At the time, I figured it was the best option for me to help me get through my years at school since I wasn't getting enough through XXXX and wasn't getting help from my parents. I graduated in XXXX of XXXX. In XXXX of XXXX, I was suddenly hit with a big amount of money that I was suppose to pay monthly that I was not going to be able to pay. I was able to bring it down at the time to {$490.00}. By XXXX of XXXX, it had gone up to {$500.00}. XX/XX/XXXX thru XX/XX/XXXX I was paying {$500.00}. When a year had gone by, the amount jumped and I was paying {$660.00}. As of right now, I am paying {$670.00} a MONTH ( its slowly going up each month )! I tried calling and asking for a way to make my payments easier for me to pay and they said there was nothing they could do except get me in forbearance, which for me was NOT an option that I wanted nor did I agree with. I am literally using a single paycheck to pay for this loan. Three of my loans interest rates are 11 % and the lowest one being 7.1 %. The other two are at 9 %. I am to the point where I am not going to be able to afford daily life because this loan is taking half of what I make from one job a month. ( This isn't the only loan payment I pay, but I haven't had issues with Federal Loans at the moment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
MEDICAL XXXX Balance : {$35.00} MEDICAL XXXX Balance : {$330.00} MEDICAL XXXX Balance : {$47.00} MEDICAL XXXX Balance : {$70.00} MEDICAL XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Product: Debt collection

on XX/XX/XXXX my Son died at that time I was unable to work and my wife was temporary laid off from her job. Avid Acceptance is my car loan provider. After I became late with my payment was repeatedly contacted by XXXX XXXX with said company. Not only did she attempt to contact my by phone but also email on a daily basis. She even contacted both people that I gave as references discussing my matters. she has done this twice now contacting a 3rd party about my situation. I set up a payment plan to get back on track and she continue to call and email about 'are you going to make your payment ' 'I am going to escalate your case and you won't like it ' this is after i made arrangements to make 2 payment within 2 days of each other totaling {$1500.00}. She then proceeded to call and email saying I still owe {$200.00} for XXXX and that I need to pay that. I set up another arraignment for a payment were I told her that I will make the {$200.00} payment plus my normal payment which is due on XX/XX/XXXX. on XX/XX/XXXX email communication I told Mrs XXXX that payment will be made on XX/XX/XXXX. 
I can forward all email and phone records and still have voice mail messages. here is part of last email between Mrs XXXX and myself Me : Are you touching base with me why are you calling references that were provided because if I say Im going to pay the bill on the 16th like I did Im going to pay the bill on the 16th the same way I told you I was going to pay the bill last month and it was paid so please if youre going to sit and call references again Im gon na sit and file harassment charges with the attorney general in the state of Colorado Mrs XXXX : If I dont get ahold of you I have to get in contact with a reference. I have been calling and emailing with no response. 
Me : And actually theres no need for you to get a hold of me considering we already had a agreement I am not now its considered carafe minutes ( voice to text was suppose to be HARASSMENT ) if you want to keep doing it go ahead but this will be my last response to you either way. Agreement to pay was made. Now its harassment after the last email she finally stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX 
XXXX, TX XXXX Account : XXXX Date open : XXXX XXXX, 2022 Amount charge off : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Disputing error [ s ] on credit report Dear Experian I am writing to request a deletion of the following information that appears on my consumer report. XXXX XXXX XXXX  XXXX I am a victim of identity theft. The information listed above, which appears on my credit report, its the result of aggravated identity theft on the dealership behalf. 

15 U.S.C. 1681 Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( XXXX ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law. 

Taking my personal information, obtaining a loan amount higher than what I expect and having a form I'm unaware of is a violation of the GrammLeachBliley Act. 

The GLBA applies to auto dealers because they often engage in financial transactions, such as : Extending credit, Arranging financing or leasing, and Giving financial advice.

The GLBA 's requirements include Prohibiting the use of forged, counterfeit, lost, or fraudulently obtained documents to obtain customer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE
Product: Checking or savings account

I had an account with USAA about 6 years ago, there was a deposit made by the XXXX XX/XX/2018 to that closed account. I called to recieve funds from the closed account, and USAA decided to mail the check to an address i no longer reside. When i asked USAA to stop payment on the check they told me i have to wait 90 days from today XX/XX/2018 in order for them to stop payment, then they would send the new check to my current address. I asked to speak to a representative, and i was told i wouldnt hear anything back until a couple days.
Product: Credit reporting

I am a victim of Identity Theft and asked for an Identity Theft Block under FCRA 605B and Transunion deleted the accounts but not the inquiries. They said the reason was that I did n't identity them properly, so I am doing so here so there is a record of it. 

Unauthorized inquiries : XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 If for any reason they have an excuse not to delete them, I DEMAND to see the following : Permissable Purpose ( Pursuant Section 609 FCRA ) Verbal or Written Authorization ( Pursuant Section 609 FCRA ) and their detailed procedure for investigation ( Pursuant 611 FCRA ) Thank you
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint against Experian regarding their failure to validate disputed information on my credit report and their refusal to provide the method of validation as required by the Fair Credit Reporting Act ( FCRA ) I submitted a dispute to Experian regarding inaccurate information on my credit report. In accordance with FCRA, I requested that they validate the accuracy of the reported account ( s ) or remove the erroneous information. However, Experian failed to provide me with adequate validation or documentation proving the accuracy of the disputed items. Additionally, when I requested the method of validation, Experian did not respond with the required information explaining how they verified the disputed data. 

This lack of transparency and failure to comply with federal laws is unfair and negatively impacts my creditworthiness. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation and provide consumers with a clear explanation of how disputed information was verified. Experians failure to do so is a violation of my consumer rights. 

I request that the CFPB investigate Experians practices regarding the handling of credit disputes and ensure that they comply with federal regulations. Additionally, I ask for the removal of any unverifiable or inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and assistance. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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
Product: Credit card

fraudulent charges were put on my American express credit card by someone in XXXX I I I believe. I did file a police report and called the credit card company. American express said they would call me back within 72 hrs. To verify that I am XXXX XXXX. The problem is they did not call me back. I have called them several times and they keep saying they have to call me back to verify identity, but they have not called me back. Now I want the charges taken off and the account closed. How can I get the charges removed if they do n't call me back?
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # A XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, RI XXXX APARTMENT COMPLEX XXXX POPPY XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, CT XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, CT XXXX SINGLE FAMILY
Product: Debt collection

I noticed a collection account by I.C. System on my credit report. I sent them a data validation to send me any contractual agreement information that I have with I. C. System. They are stating that I owe this alleged debt but I have no recollection of this company or account. To my knowledge, it is illegat to collect money for something when you do not have any legal standing to collect that debt. They are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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. By the inaccuracy they are reporting two completely different information to the credit reporting agencies. This is unfair practices and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these reported accounts. It is not acceptable to treat these reporting accounts as unverified information without producing proof. Please reinvestigate the unverifiable accounts listed below : XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00}