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

XXXX XXXX XXXX XXXX XXXX showing # XXXX Equifax showing # XXXX XXXX showing # XXXX * Disputed charge off balance error with all three bureaus XX/XX/XXXX * Disputed that the account was incorrectly being reported as a charge off with a balance due, XX/XX/XXXX I asked that I be mailed proof of the investigation and proof of the negative payment status, no documentation was received. 
* Disputed missed payments on XX/XX/XXXX. XXXX showing no 30, 60, or 90 day missed payments. Equifax showing ( 1 ) 30 ( 1 ) 60 and ( 19 ) 90 day missed payments, while XXXX is showing ( 1 ) 30 ( 1 ) 60 and ( 3 ) 90 day missed payments. All three reports are inaccurately reporting false information how can XXXX credit union show no late payments and the others are showing several late payments? 
* On XX/XX/XXXX I asked for statements and records of all payments made and missed, I also asked for Validation with the creditors and any documentation associated. Nothing was sent to me by mail or email. 
* XX/XX/XXXX asked for a Status Verification Request. No results.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank XXXX Equifax : XXXX bank XXXX XXXX XXXX bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX   et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I submitted a request for transfer from my Bank of America checking account for {$4100.00} to XXXX XXXX XXXX XXXX to be deposited into their clients XXXX XXXX account. The money was transferred via wire on XX/XX/XXXX. The money was deposited by XXXX XXXX XXXX XXXX  into XXXX XXXX account on XX/XX/XXXX. The transfer was intended for XXXX XXXX, client of XXXX XXXX. XXXX XXXX XXXX XXXX  has record of deposit of the transfer into XXXX XXXX account. Bank of America submitted a trace and I was informed on XX/XX/XXXX the funds were not retrieved. Bank of America closed the case. Upon my repeated requests the case was escalated to BofA fraud department. XX/XX/XXXX I was informed BofA once again declined further responsibility to reclaim the funds stating the XXXX XXXX XXXX XXXX  has not responded to their inquiries.
Product: Checking or savings account

Hi. I have XXXX in the bank Wells Fargo that is on hold. It was suppose to be on hold for 24 hours, and now it was put on hold for a week and now my account is overdrawn. I need that money off hold ASAP. I have bills that need to be paid and Wells Fargo is making it hard to do so.
Product: Debt collection

I have sent correspondence to this company multiple times. They have not verified the debt or provided the information that I asked for in order to do my own investigation. The amount is for {$650.00}. I have sent another correspondence on XX/XX/XXXX in order to determine how they verified this alleged debt. The first reply they sent me was received on XX/XX/XXXX and it  was a packet of statements which is does not verify this alleged debt.
Product: Debt collection

I was served a lawsuit from XXXX XXXX XXXX with the representing law firm Johnson Mark LLC. I responded to the lawsuit on XX/XX/XXXX requesting verification/ validation of debt and informed them that this debt was in dispute. Per the FDCPA, disputes and verification of debt must be answered in an certain amount of time. This has been well over 45 days and the law firm just claims they are waiting on their client. I called today because there is a court date pending for XX/XX/XXXX and they still have no answers. I also asked to speak with the attorney as I am XXXX XXXX and have a legal right to represent myself. The agent refused before " I am not an attorney ''. I want the proper documentation that I have requested. I also requested the proper chain of the papers for every time this debt has changed hands. The firm and XXXX XXXX are in direct violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 
I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A DEBT THAT IS NO LONGER VALID, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a paid membership with Experian Credit Monitoring Service, I cancelled after 2 months of usage, I have requested that this company delete my debit card information out of their system to no avail. I have the Free Service now, I want my debit card info deleted
Product: Credit reporting or other personal consumer reports

Several demands over the past XXXX and you are still reporting several inaccuracies in my consumer report pursuan

t to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. ( 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. Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX XXXX {$470.00} act XXXX XXXX XXXX
Product: Checking or savings account

In short, the matter is about an unfair decision in my view regarding the closure of my account in 2018, at which time I resorted directly to XXXX XXXX XXXX CEO of Bank of America, as I received a phone call from a member of his office, who indicated that such decisions could never be disclosed, and which left me to guess and I did not come up with a convincing reason, as I have not and will not commit what could be considered a violation of banking rules and customs in any way where they closed my bank accounts in addition to 4 credit card accounts, and I was even asked to take my belongings from the safe that I was renting, which caused a huge loss in addition to moral damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX  {$6400.00}
Product: Checking or savings account

I am filing a compaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company
Product: Debt collection

I had stated that i had no knowledge of this account and also asked for the purchase agreement or for it to be verified with a signed document.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMDODGERA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX they sold me the vehicle that only lasted 3months. They refused to give up a copy of the original contract. They are tied in with XXXX XXXX and they prey upon the poor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is another extension to XXXX XXXX trauma. As for XXXX XXXX and equifax. I dont believe that the people who answered the phone understand that under Fcra all reporting has to be accurate and The law does not offer wiggling room. Niether agencies will throughly investigate because they are not familiar  with English  yet alone Americans law. I am formally complaining about all 3 credit bureau. And they should all be investigated for lack of up holding consumer rights and laws. They basically report off of each other without actually checking for required information. No original contract no signature required I did not buy the Car online. credit reporting agency refused to go any further than look at my account information I want a full investigation
Product: Credit reporting or other personal consumer reports

I hereby declare that I do not authorize this account due to my refusal to disclose any personal financial information to any collection agency, as it is in direct violation of the FDCPA ( Fair Debt Collection Practices Act ). Specifically, this violates FDCPA Sections 807 and 812, pertaining to false and misleading information, as well as furnishing deceptive forms.

Moreover, the agent handling this account is in violation of 15 USC 1692g, as they failed to provide written notification of this matter five days prior, as required by law. As the original creditor, I reserve the right to validate this debt, which I do not acknowledge or validate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Rating : Closed Account Description : Individual, Closed or paid account/XXXX  balance Dispute Status : Account not disputed Creditor Type : Auto Finance ( XXXX ), Auto Financing ( Experian and XXXX ) Account XXXX : Closed Payment Status : Current Creditor Remarks : Closed ( XXXX and Experian ), Closed or paid account/XXXX  balance ( XXXX ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$0.00} Two-Year Payment History Discrepancies XXXX : Reports 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Experian : Reports 30-day late payment for XX/XX/XXXX, conflicting with other bureaus. 
XXXX : Reports 30-day late payment for XX/XX/XXXX, which does not align with payment records. 
Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction.

Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian for the inaccurate accounts that they a reporting and they are not willing to take out those inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on account listed XXXX Account # : XXXX. 

Account Type - Detail : Educational Educational - Account Status : Open Open Transferred Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$60000.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account transferred or sold Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XXXX/XXXX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account the 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 A ACCOUNT WITHOUT MI WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

I attempted to submit a dispute online to Experian. Their file attachment software will not accept any of my files even though they are the correct file type ( PDF ) and under the file size limit of XXXX. I therefore utilized their mail-in option to correct my dispute - I have a civil judgement on my report that has been released/satisfied by the court, which I shall attach below. Experian is a scam. The company steals money through deception on their products, makes it virtually impossible to contact a live person to settle complaints, and does not respond to any requests. This company should be thoroughly investigated due to the severe impacts they have on the average citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one sent information regarding removal of credit inquires off credit file. XXXX, XXXX  and XXXX failed to comply of removal.