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

I submitted a dispute for the XXXX XXXX and XXXX  XXXX on my consumer report. Experian verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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.

15 usc 1681e ( b ) 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. 
XXXX has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX  XXXX and XXXX from my consumer report.
Product: Credit card

Signed up for Synchrony Bank credit card from XXXX XXXX, as a promotion, and after setting up Auto Pay, they disabled it, claiming it was n't a valid checking account, and made no effort to report an error and instead sent it to collections. Spoke on the phone and told me their policy is to not make any calls to account holders. Only way I knew of the error was from their next months statement saying I have n't been paying. Their system has changed other info as well. Went onto their site and upon logging in, I had to supply them with my email, claiming they did not have one on file. They clearly had it to send me my statements. Got nowhere over the phone. I have the name and employee ID of the woman I spoke with that I can supply.
Product: Debt collection

I got a payday loan from Cash Max in XXXX, TX and I am a few days late on my payment. The lady XXXX, working theres has called my job, my, friends, and my cell phone over 30 times in the last week alone. The loan is only 5 days past due. I have asked her to stop calling me repeatedly, and she is still calling multiple times a day. Shes calling on different telephone numbers, and even from no caller ID. This is harassment and it is getting out of hand. Please help.
Product: Credit reporting or other personal consumer reports

Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness.

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities.

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( today ) I spoke to a supervisor at XXXX XXXX. The supervisors name was XXXX, who proceeded to disclose to me that the reason why the Capital one delinquent report ( XXXX of late payments ) has not been deleted is because Capital one has not reported to the bureaus ( XXXX, XXXX and XXXX ) to delete it . Even though its been 7 years, and that delinquent type report should have been deleted already. 
XXXX the supervisor told me he would reach out to Capital one of deleting it, but I had my doubts since I have been requesting that they remove this 2 months ago, as you know from the initial report and they still havent removed it. 
So Today I spoke to XXXX a supervisor at Capital one and she proceeded to tell me in order to remove this delinquent type report, I need to send a letter to their private credit bureau that handles these reports. 
I asked Capital one, why they cant remove it, because it should have been removed several months ago, why should I have to write an actual letter? 
She couldnt give me an answer. I also asked them why is it quick for them to report a missed payment, but it takes 90 days to remove a report that should have been removed months ago? No answer. 
I also asked the supervisor of Capital One has XXXX XXXX and XXXX and XXXX reached out in trying to remove the report that Ive been complaining about? She said I can not answer that. 
Im blown away that a financial institution ( Capital one ) is able to get away with this. Its in fact against the law to have a report such as this for more than 7 years. 
Heres what is so outrageous about this whole situation. These credit bureaus have a legal responsibility to keep an eye on how long the reports are on there end and when they should be removed. Based on what I have seen so far with all three credit bureaus is, they are not keeping an eye on their data. And it seems to me that all three of these credit bureaus, including some of these financial institutions do not seem to care about the consumer. Which negatively impacts XXXX XXXXXXXX score which Capital one works along with. And negatively impacts the scores with all three credit bureaus due capital ones negligence. 
Due to this issue, it has interfered with me not being able to proceed with handling business. I am unable to purchase a vehicle and get a personal loan due to their negligence. 
Heres whats mind blowing, we are in 2024 and yet the only way to reach out to this XXXX bureau of capital one in XXXX XXXX XXXX is by mail? Is this a joke? Unacceptable and messy!
Product: Credit reporting

A letter was sent to Transunion on XXXX/XXXX/16 regarding XXXX accounts from XXXX XXXX reporting a balance of {$460.00} and {$480.00} on XXXX/XXXX/16. A letter was sent directly to the creditor regarding the validity of the account. The letter was returned as undeliverable yet Transunion continues to report this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should NOT include an active payment history. This is inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Original creditorEMERGENCY PHYSICIANS OF TIDEWATERAccount # XXXX OpenedXX/XX/XXXXXXXXCREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.
Product: Debt collection

I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXX XXXX  {$4200.00} XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXX {$1100.00XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX XXXX {$180.00}
Product: Payday loan

I have been approached by Concord Resolution ( & XXXX ; XXXXXXXXXXXX & gt ; : advising me that I had a payday loan from XXXX 2013. I asked for a signed document indicating my agreement. " XXXX XXXX '' sent me a collection letter from his organization from another collection agency by the name of XXXX XXXX XXXX. 
I have taken out payday loans but I can assuredly state I did n't get XXXX at that time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with Bank of America had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. Bank of America has listed my account as XXXX and when provided with all the documentation they stated that I could not go through them I had to go through XXXX to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter XXXX still unable to get a bank account. If it wasnt for having XXXX already for my business I would be stuck. I have tried fighting this with XXXX and each time they indicate that Bank of America is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this XXXX particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

My Capitalone360 bank wrongfully accused me of a fraud transaction and closed my account even with money still in there. I sold a XXXX Note XXXX on XX/XX/2021 on XXXX XXXX. I met with the buyer, they were a boyfriend and girlfriend, or could be any kind of other relationship. It was the man I chatted with, and it was the woman 's XXXX that sent me money. I received {$340.00} from the buyer via XXXX transfer. 

On XX/XX/XXXX the bank called me saying that this person reported me fraud. I told the bank that I sold this person a smartphone. Everything is fair and square, and not a fraud. I told them I will email the evidence if they don't believe me. The bank left me an email : XXXX. I sent all screenshots of our chat. They have yet to reply me after I sent all the evidence to me. By this time it was XX/XX/XXXX. I checked my bank account and it was already closed! Why is the bank so ignorant? Why they believe the liars over the real innocent person!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute to Experian because they incorrectly show three accounts in serious delinquency. 

These accounts relate to school loans ( XXXX XXXX ( XXXX ) ), which I have automatically scheduled the payments since XXXX. 
My bank sends a check every months on the XXXX ; somehow the XXXX XXXX did not cash the checks and then reported them late, in error, to the three bureau ( XXXX, XXXX and Experian ). After I received notifications from XXXX XXXX on this issue and sent them evidence that my payments were sent on time ( i.e., on the XXXX of the month ). 
XXXX agreed this was an error and that my accounts were current and up to date. XXXX submitted a letter to the three bureaus to correct the error in my credit report. Two of the bureau ( i.e., XXXX & XXXX ) immediately corrected the issue ; however, Experian did not correct the error in my report. 
I have contacted and disputed the error at least three times in the last 10 months ; however, Experian persists in keeping the error in my credit report. I provided sufficient evidence showing them this was an error. I even provided a letter from XXXX stated the following : Loans # XXXX, XXXX, XXXX Please be advised that the above mentioned XXXX loan ( s ) with the New Jersey XXXX XXXX XXXX XXXX XXXX ( XXXX ) are current and up to date. Recent reported delinquency has been deleted on our records and is scheduled to update your credit profile with HESAAs next regular submission to the national credit reporting bureaus tonight. 

The following is additional information on the payments being disputed : Monthly Payment : {$350.00} Payable to : XXXX Payments in dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX XXXX should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for capital one. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to capital one the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to XXXX XXXX XXXX who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted XXXX XXXX XXXX to inform them that my income is except from garnishment and that capital one stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ... 
XXXX XXXX XXXX also issued a false statement to Capital one in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...
Product: Debt collection

I, consumer and natural person, received a bill demanding final notice to pay. I have never went into a consumer transaction with RESURGENT CAPITAL SERVICES. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.