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

On XX/XX/2022 my XXXX XXXX alerted me that a derogatory mark was placed on my report. From convergent outsourcingUpon further research - this collection was not verified. A bill without a written signature does not validate debt. Nor make it mine This account was sold and transferred! According to FCRA my rights have been violated and I want this collection removed - Immediately.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account XXXX XXXX XXXX Account number XXXX However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest con
venience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. Transunion has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.
Product: Checking or savings account

funds were taken from my savings account, notify the bank, after a poor investigation they said the transaction was legit, I asked for the video and they told me I need to do a police report which I did, the sheriff in charge of the investigation did subpoena the bank and they never respond, I did not get the money of the transaction in dispute back on my account
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. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information.

1 - No problems at all with XXXX, did it online very quickly after an identity check questionnaire.

2 - XXXX, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested.

3 - Experian, same issue as XXXX - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
XXXX search on this strange issue in 2020 's internet era shows other people who have had XXXX and experian give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by XXXX and Experian does not continue for long. Thank you.
Product: Credit reporting or other personal consumer reports

My REVVI XXXX credit card is lost/stolen and has over {$600.00} of fraudulent and unauthorized transactions on my REVVI XXXX credit card accounts. The ReVVI XXXX credit card account currently listed and showing on my XXXX and XXXX credit report is lost/stolen and has over {$600.00} in fraudulent and unauthorized transactions on my ReVVI XXXX credit card account. My XXXX ReVVI XXXX credit card account number is : XXXX.
Product: Debt collection

I have called XXXX XXXX XXXX at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.
Product: Credit reporting or other personal consumer reports

I purchased a Home in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Product: Credit card or prepaid card

I applied to American Express for a XXXX XXXX credit card. They advertised a XXXX mile bonus if I spent {$2000.00} in the first 4 months. I spent the money but did not receive the bonus miles. 

When I called them they said that the bonus was denied because I had applied for too many other cards with bonuses then canceled the credit card after a while. They did not however provide any specifics as to which credit cards they were talking about and refused to send a formal letter stating specifically why I did not receive the bonus miles and which other accounts they were referencing in the refusal to grant me the bonus miles.

They also stated that during the application process I was given the option to not go forward because I would not receive bonus miles. I do not remember seeing this page and again they would not provide proof that it was shown to me..
Product: Consumer Loan

I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds. 
Thank you for any assist you can provide. 
XXXX XXXX XXXX, KY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified signature request letter to Experian on XXXX XXXX. 
The never responded its been past 30 days. 
I mailed another letter XX/XX/2018 certified signature request requesting verification.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal request to Equifax under FCRA XXXX XXXX ( c ) to block fraudulent information from my credit report that resulted from identity theft. I provided all the required documentation, including : Proof of identity ( submitted on XX/XX/year> ). 
Specific disputed information identified as fraudulent. 
A valid Identity Theft Report ( FTC or police report ) detailing the theft. 
Despite fulfilling the legal requirements for blocking the information, Equifax failed to comply with the law. Instead, I received a letter stating : They would not block the information under Section XXXX ( c ). 
They would contact the data furnishers to verify the disputed accounts without my explicit authorization. 
They implied I had not provided sufficient documentation, which is false. 
Equifax 's refusal to block the information as required under the FCRA is a clear violation of my rights. Additionally, forwarding my documents to data furnishers without my consent goes beyond their legal responsibilities under XXXX XXXX. 

Impact on XXXX : XXXX failure to comply with the FCRA has allowed fraudulent information to remain on my credit report, negatively impacting my credit score and causing undue stress and frustration. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring Equifax complies with federal law. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My little XXXX XXXX XXXX kid use my XXXX to order kid meal from XXXX {$25.00} without my permission. I cancel that order right away and never received any order ( restaurant didn't make it ). I call Citi to dispute this charge cause I didn't recognize. They refund me, but a month later, they charge me again from Citi XXXX card ending XXXX  I didn't agree this result, so I chat someone in Citi. She said she already successful credit me back. Let me wait 2-3days, credit will refund to my account again. But 10days already, I received nothing.
Product: Debt collection

On XX/XX/2021 Bureau Of Account Mgmt violated by rights as a federally protected consumer. I have proof Bureau Of Account Mgmt is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Bureau Of Account Mgmt written consent to report any of my personal information to a third party Credit Bureau.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 or the express permission of a court of competent jurisdiction, 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. They have communicated with me at an unusual place which is my credit report. Bureau Of Account Mgmt is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Bureau Of Account Mgmt has harass and harmed my reputation by reporting this information on my credit without consent stop me from receiving services or goods. 15 U.S. Code 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Bureau Of Account Mgmt stated they were given consent which is false representation. Bureau Of Account Mgm is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in collection of debt. .
Product: Credit reporting or other personal consumer reports

A hard inquiry on my credit report was reported on XX/XX/2023 from XXXX XXXX XXXX which I did not initiate. Furthermore, I received an email from XXXX credit card which stated more information was needed for a credit card application that I did not initiate. I would assume both are connected. On XX/XX/2023 I contacted XXXX as well as Equifax. XXXX from XXXX stated that they were stopping the application process and XXXX from Equifax stated that they were placing a fraud alert on my profile for XXXX XXXX, XXXX, and Equifax for 1 year. XXXX also suggested I report to FTC which redirected me to CFPB to file a report. Please let me know if you need any more information, or if there are any other steps I need to take to prevent any further issues. 

This is not a complaint about XXXX or Equifax. It is simply a report of fraud that involved these companies as well as other credit reporting agencies. 

Thank you
Product: Debt collection

XXXX Debt does not belong to me, it was unverified, not validated and is currently reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed information on my credit report. 
Barclays bank refused to respond within the 30 days provided under FCRA 15 USC Sections 1681i. I received information from XXXX  that the account will be removed ( please see attached ) and as of today the information is still reflecting on all credit bureaus. I need this to be updated accordingly per FCRA guidelines.
Product: Debt collection

Please refer to your compliant number XXXX concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on XXXX/XXXX/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or established by the named card holder. Therefore, there exists no legal basis for the debt and thus no basis for the harassing calls. In addition, circumventing our call blocking system demonstrates a pattern of harassment. PLEASE CORRECT THE LAST XXXX OF THE SSN ON THE ORIGINAL COMPLIANT. IT SHOULD BE XXXX INSTEAD OF XXXX.
Product: Credit card

Capital one knowingly is holding my payments hostage for 6 days. When I called they verified they had my payment but refused to release the hold on my available credit for 6 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was diagnosed with XXXX  for the 2nd time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted time payment they are not showing any late payments but Experian reporting late payment
Product: Debt collection

I am writing to bring to your attention a matter concerning my credit report and a fraudulent account that continues to negatively impact my credit score. I have previously reported this fraudulent activity to your agency, and while other credit reporting bureaus have taken prompt action to remove the disputed information, it seems that your agency has not yet complied with the necessary corrective actions. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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. 

15 U.S.C 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 Please view attachment below
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir or Madam, I am writing to dispute an account listed on my credit report by XXXXXXXX XXXX XXXXXXXX XXXX Despite previously disputing this account, it continues to appear on my credit report. This account is fraudulent and the result of identity theft. 
Please find attached a copy of my original identity theft report for your reference. As mandated by the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and ensure the removal of the fraudulent account from my credit report. 
Below are the details of the fraudulent account for your reference : Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I appreciate your prompt attention to this matter. Please confirm in writing that you have addressed this issue and that the fraudulent account has been removed from my credit report. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into the inaccurate charge-off information appearing on my credit report provided by TransUnion. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 


- Account Number : XXXX - Creditor Name : XXXX XXXX The charge-off information reported is incorrect. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history. 

Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. 

Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately. 

Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. 

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section. 

Compliance with Accuracy Procedures ( FCRA Section 1681e ) : According to Section 607 ( 15 U.S.C. 1681e ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports. The inclusion of this inaccurate charge-off indicates that these procedures have not been followed. 

Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 

I demand that this inaccurate information be removed from my credit report immediately. I am enclosing a copy of my credit report highlighting the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe your company is not in complaint because when I try to research these accounts you have on my credit you do not provide the full account number. Therefore, I can not confirm the accuracy of these accounts with no account numbers showing fully. Remove these accounts from my credit report. Reporting this stuff is very misleading is a violation of the United States Code Law. 
FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY. 
15 U.S. Code 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have always paid this on time again this Account Has always been PAID AS AGREED on time Please REMOVE INACCURATE reported late payments please update to PAID AS AGREED.
Product: Debt collection

I can receiving colection calls all the time daily, when I do answer the calls they ask for a person how I do not know, and they do hung up on me before they give me the opportunityto request for their company to stop calling my number I am never been in collection my credit is really good however calls keep coming from this company