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

It is regarding an issue with my credit records that has significantly impacted my ability to apply for a Home Equity Line of Credit ( HELOC ). 
On two recent occasions, my credit records could not be retrieved : Before XXXX 2024 XXXX XXXX XXXX XXXX attempted to pull my credit but received the result " No Records Found. '' On XX/XX/2024 XXXX attempted a credit pull again with the same result. 
This is unexpected and concerning because : Two years ago, my credit score was successfully retrieved with a score of XXXX. 
I recently spoke to an Experian representative who confirmed that I have a credit score of XXXX. The representative mentioned that a " lock '' might be the issue and advised me to contact Experian Membership Services at XXXX. 
Unfortunately, when I called the provided number, the automated system prompted me to upgrade my Experian account. After following the instructions, I upgraded my account. Yet the issue remained unresolved, leading to frustration and a repetitive loop. 
To further investigate, I pulled my credit report at the auto dealership, where I work. The result was identical to what the bank encountered : " No Records Found. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 my written instructions
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 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Product: Credit reporting or other personal consumer reports

KOHLS/CAPITAL ONE, XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX aka Kohls Credtit Services website failed to process the payment setup, led to a XXXX day delay of a payment of {$130.00}. Kohls failed to notify through a letter/phone. Account is paid in full since XXXX XXXX as soon as I noticed that Kohls Credit Website has failed to process the payment. The Late payment is Kohls Website issue and still Kohls has disagreed to remove negative information from my credit report and hurting my credit. 
Kohls should remove the negative information asap for me as well for any other customers who faced similar website payment processing issues.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Accounts XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following two credit inquiries on my report are fraudulent and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account came back verified, Not properly investigated.
Product: Checking or savings account

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Capital One XXXX made unauthorized charges to a personal account ending in XXXX from a business debit card ending in XXXX. This issue is ongoing and was unresolved after speaking with : XXXX - XXXX, TX Supervisor : XXXX - XXXX, TX On XXXX/XXXX/XXXX.
Product: Checking or savings account

This is a copy of my letter of dispute to Money Network asking them to dispute charges made on my card and refund me my money for unauthorized transactions. When calling customer support they put me on hold for 30-45 minutes when trying to speak to a supervisor just to be told that there dispute department does not take calls meaning I can not speak to person in charge of handling my dispute. My original dispute was filed on XX/XX/year>. And each time Ive had to refile my dispute they push the time frame of resolution back 30-45 days. 

I am attempting to prove that I did not authorize four transactions in the total amount of XXXX dollars. This is the total amount stolen from my account. I would like a provisional credit issued to my account for that amount considering my card information should have been protected by Money Network and the transactions should have been flagged for suspicious activity given the amount and the location the unauthorized transactions took place. 

Unauthorized transaction 1 : {$170.00} The 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 These transactions were NOT authorized by me. This money was stolen from me and I have not used my card physically or digitally to make any transactions in Georgia or South Carolina ever. I live and work in XXXX, Tennessee as you can see from all other transactions made on my card. 

On the day these transactions posted I was in Tennessee working. This can be proven by the deposit made by my work on the day in question and an XXXX trip taken by me in XXXX which also is reflected on my account. Please pull up my card information and refer to my card statements to see this. 
These two transactions are listed as follows : 1 : Funds transfer from XXXX XXXX XXXX XXXX {$150.00} 2 : XXXX Trip {$21.00} I need my money returned to me by Money Network as my card information should have been protected and these transactions should have been flagged. I have done everything I can to prove to you that I was NOT the one who made these transactions. 

I would like a provisional credit issued to me for all 4 unauthorized XXXX XXXX transactions. 3 in the amount of {$170.00} and 1 in the amount of {$140.00} for a total of {$670.00}. This is the amount that was stolen from me and the amount I would like given back to me. Thank you. 

These transactions all took place at the same time in 4 separate locations 10-12 hrs away from where I live which is not possible for me to do. Ive tried to explain this and they have offered me no support.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 XXXX XXXX accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the XXXX XXXX accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for XXXX XXXX to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove XXXX XXXX accounts from my credit report. 

Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them. 

Also BMO is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and BMO will remove these late statues from my report.
Product: Student loan

I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX  and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tran Union have not removed XXXXXXXX XXXX XXXX account from my credit report after i sended the account pay history showing the first miss payment was in XXXX, past the 7 year since the first missed payment. XXXX XXXX XXXX have charge this account off in XXXX, but still showing this account is opened on my credit file with is hurting my credit and Tran Union say the company have to change it not them account number ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX, I Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Public Record : XXXXXXXX  XXXX Bankruptcy XXXX Inquiry : XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccuracies and fraudulent accounts that need reporting and correction through your company. Please assess and investigate the accounts that are not entirely accurate. I request the prompt removal of all inaccurate entries from my credit report.
Product: Debt collection

I requedt debt collection agency to not share my personal information with any third party, affiliates, or outside agency/company yet they shared my information anyway. I also asked for them to verify i owe debt by sending me a sign contract with my wet signature and all prior statements showing all prior payments to debt. I was not given any information. I also requested the 3 credit bureaus ( XXXX, XXXX, and XXXX ) to validate these account
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXX/XXXX XXXX that they have no such application on file under my social security number or name.
Product: Debt collection

Just received notification that I was sued by this company, or actually it's a debt buyer that just happens to be owned by a law firm that also sues for other debt buyers, or so I was told. I literally found this out after receiving an unsolicited letter from a bankruptcy attorney. Case number is XXXX I'm on social security XXXX. Obviously with a limited income, there will be debt but they never notified me about this debt. If they did, I didn't hear from them. They just went ahead and filed a lawsuit. I know that's their business model, but I don't think suing someone who obviously doesn't have very much money without notifying them first is very ethical. 

They might think different, as they are attorneys.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Collection Agencies Failing to Provide Written Notice of Debt and Dispute Rights Dear CFPB, I am filing a formal complaint against Bounce AI for failing to provide me with the legally required written notice informing me of my right to dispute a debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FDCPA, debt collectors must provide written notice of the debt within five days of their initial communication, including details on how to dispute the debt. However, I have received collection attempts from Bounce AI, regarding XXXX XXXX {$2300.00} but they have not sent me any written validation notice outlining my rights. 

I have repeatedly requested verification of these debts, yet they continue to be reported on my credit report without proper validation. Since these collection agencies have failed to comply with federal regulations, I am requesting that these accounts be removed from my credit reports with XXXX, XXXX and XXXX. 

I request that the CFPB investigate this matter and take appropriate action against these agencies for failing to uphold their legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Product: Debt collection

Written notification about debt was received. 

Didn't receive notice of my right to dispute account before being reported to XXXX credit bureau.
Product: Credit reporting or other personal consumer reports

Another false statement from this corrupt company because they work on nothing but pushing worthless credit cards with 38 % interest
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I have been paying this loan off for close to 2 years now, due to a medical emergency I missed one payment after paying on time for 2 years and have had dozens upon dozens of phone calls sometimes 10 a day from the company even after I've asked him to stop and explained when and how much I could pay