23daVinci/CFPB_Complaints huggingface dataset:
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 credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

I reduced my debt to ratio by 95 %, paid off student loans, paid off my vehicle and my credit score is poor XXXX? Paying down XXXX car loan and over XXXX in XXXX XXXX is XXXX! My XXXX XXXX should reflect it!
Product: Debt collection

XXXX XXXX XXXX has been reporting unverified and inaccurate information to the 3 major credit bureaus under my social security # illegally. They have failed to respond to multiple letters I have sent certified on XX/XX/2018 and XX/XX/2018, and they have failed to answer any request ( s ) of verification to verify their false claims. They have caused MAJOR damage to my credit file and I am currently considering small claims actions against them. This company has commited MULTIPLE violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws yet for some reason feels that it is above the law in its efforts to collect a debt that they are unable to provide any proof belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 or other personal consumer reports

I am filing this complaint due to TransUnions willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite my previous two written requests, impermissible and unverifiable hard inquiries, soft inquiries, and promotional inquiries remain on my credit report, in violation of FCRA Sections 605B, 609, and 611. 

Despite my previous two written requests, the impermissible and unverifiable inquiries listed below remain on my credit report in direct violation of FCRA Section 611. Your responses to my earlier letters claim that certain items have been verified, but you have failed to produce any tangible evidence or documentation to support these claims. 

Details : 1. Hard Inquiries : TransUnion has reported hard inquiries that are not directly tied to credit products I currently hold. These inquiries are impermissible under FCRA Section 604 ( a ). 
2. Soft Inquiries : TransUnion has allowed soft inquiries unrelated to legitimate purposes or credit products I currently hold. 
3. Promotional Inquiries : TransUnion has reported promotional inquiries that do not comply with prescreening requirements under FCRA Section 604 ( c ). 

I previously filed an identity theft report in XX/XX/year>, and under FCRA Section 605B, TransUnion is required to block or remove all fraudulent or unauthorized information within four business days of receiving my request. These impermissible inquiries are unauthorized, unverifiable, and damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from the Credit Bureau concerning incorrect information on my account with XXXXXXXX XXXX. I supplied documentation with my submission of my complaint and was told that they never received any documents with the complaint through Consumer Financial Affairs website but they were able to correct my dispute with the account of XXXX XXXX which the documents for this dispute was attached to the complaint with XXXXXXXX XXXX. I am submitting documents from a complaint I filed against XXXX XXXX XXXX who XXXXXXXX XXXX contracted which states that they no longer have this account as of XXXX XXXX, also a copy of a account statement from XXXXXXXX XXXX stating that this account is {$0.00} balance along with a statement where the XXXX I returned was returned to this company and they were still charging my account which led to incorrect information in my file. It's sad that you can not get anyone to do their job and actually investigate the problem and the only thing a company has to do is to submit electronically without any evidence stating ACCOUNT IS VERIFIED AND ACCURATE. The credit reporting agency do not ask for any documentation but take their word and I have submitted several complaints and uploaded documents and I am still fighting to get rid of inaccurate information.
Product: Mortgage

I was contacted by a person who goes by XXXX XXXX who stated that he worked with my mortgage company Amerisav Mortgage, He stated that he wanted to help me catch up on my mortgage and to avoid forclosure by sending him my escrow in the amout of XXXX via thru the mail or through XXXX Customer Service. He insisted that I was ready to be foreclosed so relunctantly I sent the money. I do have the receipts angoes by XXXX XXXX or XXXX and the number XXXX referance numbers from XXXX where the money was sent. I question him about it and he stated that I was gon na be set up on a 3 month trail and to for the next 3 months make payments as I did and not to answer any phone calls or talk to any one at Amerisav Mortgage, only to him. When I questioned hm about this, he became irate and hung up. I contacted Amerisav and they stated that that is not how they do business..As I stated he goes by XXXX XXXX or XXXX and these are th e 2 numbers he is using ( XXXX ) XXXX or ( XXXX ) XXXX. I'm mored than sure I won't get my money back but I wanted to inform someone so it doesn't happen to someone else.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Spring Oaks Capital LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Spring Oaks Capital LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Spring Oak Capital LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Spring Oak Capital LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Money transfer, virtual currency, or money service

I would like to close a Paypal account that was opened in my name a long time ago. The social security number on the account is XXXX. I do not want this account to be open and I wish for it to be formally closed. I have previously written to Paypal and the only response I get is that they do not " close accounts ''.
Product: Credit reporting or other personal consumer reports

Per dispute with XXXX from XXXX on *** XXXX my online portal should be opened, it has been locked since XX/XX/XXXX. 

Per correspondence with TransUnion ( XXXX ) on XX/XX/XXXX, this should have been resolved within five days. Ref. No. XXXX Because this is an isolated issue after disputing XXXX, I have reached out to legal and this is actively being addressed. 

I have cooperated by providing all legal court ordered documents verifying my identification. In photo identification and social security cards.
Product: Debt collection

on XX/XX/XXXX my identity was stolen for electrity from XXXX XXXX and I file a police report. I have attach the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Experian. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete this investigation?
Product: Debt collection

I am writing this complaint because the following account : XXXX, is on my credit report from Jefferson Capital Systems LLC . This letter serves as a complaint regarding their violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I also request immediate investigation and removal of this erroneous account, as it is damaging my credit and causing undue hardship. According to the FCRA ( 15 U.S.C. 1681 ), Jefferson Capital Systems LLC is obligated to ensure that any information they furnish to credit reporting agencies is accurate and verifiable. In this case, they have failed to meet these requirements. Failure to Provide Adequate Debt Validation ( 15 U.S.C. 1692g ( b ) ) I have the right to request proper validation of the alleged debt, which includes : Proof of the original creditors name and the chain of ownership of the debt. Documentation of the original signed agreement proving I owe this debt. Evidence that Jefferson Capital Systems LLC has the authority to collect in XXXX  while attempting to enforce this debt in XXXX XXXX. Simply providing a billing statement does not meet the standards of validation under federal law. This has been upheld in XXXX v. XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), where the court held that billing statements alone are insufficient validation of a debt. Jefferson Capital Systems LLC is required to ensure the maximum accuracy of the information they report. Failure to validate the debt renders the account unverifiable, making their reporting a violation of the FCRA. As per XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), unverifiable debts can not be reported. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have proper authorization to collect debts. Jefferson Capital Systems LLC has failed to provide proof that they are authorized to collect this debt in XXXX XXXX while I reside in XXXXXXXX. Their actions constitute misleading and deceptive practices in violation of 1692e of the FDCPA. Moreover, collection actions across state lines without proper licensing may violate XXXX XXXX and XXXX consumer protection statutes, which require out-of-state collectors to meet specific legal requirements before pursuing debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service representative.
Product: Debt collection

To CFPB, once again Equifax is up it again placing something on my credit report without as much as even checking for verification. A company called XXXX XXXX XXXX to which I do not know and we NEVER received a single thing concerning this matter what ever it is. This time CFPB do your job and fine Equifax or my attorney and I will take this to a much higher level. We mean business.
Product: Credit reporting or other personal consumer reports

Hi, On my Transunion credit report there are two inquires that I do not recognize. One from XXXX and another from XXXX XXXX. I tried to remove with Transunion but they have ben advised to dispute them here with CFPB and once completed they would remove them. I have since frozen my credit report until this is resolved.
Product: Debt collection

The company is reporting simply paid on the accounts that I paid in full. I requested the company delete the accounts off all three reports and they only deleted it from XXXX. There is one left on XXXX and all four on XXXX. This makes it look as if I settled, they need to either update paid in full or delete them as originally stated.
Product: Debt collection

The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. 

Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. 

He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. 

I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. 

XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the email I sent to US Bank : To Whom It May Concern : I have never been late with any company for payments. When I inquired about getting a lower monthly payment with US Bank, I was forced to miss payments to get into the modified loan. However, you stated the 2 late/missed payments ( In XXXX XXXX ) would be removed from the credit report and you have not done that. My credit score dropped XXXX points and is not raising after you changed it to modified agreement. I need the missed payments removed as you promised. I never would have missed 2 payments if you had not told me to to get into the program. I could have stayed current and not messed up my score.

That should not be on me to absorb those 2 missed payments. Please remove those 2 missed payments from the history of the credit report or I will file a complaint with CFPB. Thanks. 

My account still shows a missed payment. I was fooled and ruined my credit. I should have no missed payments on my history. I missed it on purpose to follow what they told me. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I open a claim withBANK of AMERICA regarding a fraudulent transation. 

Complaint Number XXXX PLEASE updated my phone number as I have a wrong number on claim Number XXXX. My phone number is XXXX. 

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

I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of accounts for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and remove the following accounts XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Citibank closed both my checking and savings account on XX/XX/XXXX without giving reasonable notice. I called them a couple of times to try to reopen my account and ask for the reason. They said they were unable to do that and they would send me a check for my remaining balance. Then, they closed my credit card accounts on XX/XX/XXXX, once again without reasonable notice. I called their customer service and they said they were unable to provide the reason or reopen my accounts.
Product: Credit card or prepaid card

I recently put a large charge on a Chase Southwest Credit Card. After the charge I received several credit card offers from Chase as well as from other banks that promised a balance transfer with 0.0 % APR. My intent in opening this new card was to do a balance transfer so I combed through the agreements before committing to applying to a card. I decided on Chase because I have been with them for many years. No where in the agreement or terms did were there any limitations on from where the balance transfer could come from. It took over a week for the card to arrive. When I received the card and attempted the balance transfer, It would not allow me to make the balance transfer from another Chase credit card. I called customer service and not one there was able to help me ; I just got an I'm sorry. No where was this stated when I applied for the card. I have excellent credit and could have went with many other banks but decided to stay loyal to Chase because nothing during the application process would have led me to anticipate a problem transferring the balance from another Chase card. I believe this is an extremely deceptive practice. This should have been clearly stated somewhere in the offer agreement.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report immediately. I have attached proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their continued reporting of inaccurate and unauthorized information on my credit report. The accounts in question ( Account Number : XXXX and XXXX ) contains errors that I have disputed multiple times, yet no action has been taken to correct or remove it. This inaccurate and unauthorized information is unfairly damaging my credit score and providing misleading data to potential lenders, which is directly affecting my financial opportunities. Despite reaching out to both TransUnion and the companies responsible for the account on several occasions, no resolution has been achieved. This repeated inaction is unacceptable and has caused me ongoing financial harm and frustration. It is my right as a consumer to have accurate information reflected on my credit report, and I expect this to be addressed.
Product: Debt collection

I received my credit file and saw Acct # XXXX on my credit report. I sent a letter and ask for this debt to be VALIDATED and this debt was NOT VALIDATED it was VERIFIED. This is not what I asked for. I would like for this account to be DELETED off my CREDIT FILE for all CREDIT BUREAU that it is reporting too.
Product: Credit card

i was in the hospital with a XXXX XXXX i was given many tests and XXXX XXXX XXXX XXXX XXXX i can not handle the stress of this bills