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

on  XXXX   XXXX ,2016 a dispute for a second time was sent to Equifax disputing the tax liens on my credit file asking for validation and verification. Equifax have pointed the finger at  XXXX  different companies but will not take responsibilities for their action of being the ones reporting it to my file. I sent a third letter after receiving documentation and responses from the company their pointing fingers at whom states that they are in no way reporting to Equifax, Equifax still refuses to correct my file even though the companies they are stating they are getting their information from is stating they did n't get information from them. At this point if the tax liens are not removed i will be filing a la w suite at  my local court. I have tried to get my file corrected for over 8 months and this has caused me a great deal of  XXXX . By law Equifax suppose to verify and be able to send documentation of any and everything they report on your credit file, which in this case they failed to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX City, State Zip Dob : XX/XX/XXXX SS # XX/XX/XXXX XXXX XXXX  Acct # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX Account Number : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX & WA Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I contacted experian and XXXX about a XXXX XXXXXXXX bankruptcy on my credit file. They told me that the got this information from XXXXXXXX XXXX and that I need to contact them directly if I felt the information was incorrect. After reaching out to XXXXXXXX XXXX they did a investigation and the result of the investigation is they decide to remove this bankruptcy of my report. After receiving the letter from XXXXXXXX XXXX I forwarded it to experian and XXXX and to my surprise they refuse to update my credit file and remove this inaccurate information off my credit file. They put this bankruptcy on my credit file base on XXXX XXXX report but wont take it off base on there report.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute any mistakes that my credit report might have contained. I've discovered a few major errors in the account details after thoroughly reviewing the data. These mistakes are concerning since they can have a detrimental impact on my financial condition and opportunities. 

These discrepancies need to be corrected right away for my credit profile to continue being realistic and accurate. I require a thorough investigation into the disputed items and their immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 


I've supplied supporting documentation that outlines the differences for your review and consideration. Since this issue is vital to maintaining my financial security, I truly appreciate your quick attention to it.
Product: Credit reporting or other personal consumer reports

I previously reported Transunions inaccurate reporting of my current legal name as XXXX XXXX XXXX. That complaint is still pending. I now see the company has added XXXX to my surname so it reads XXXX XXXX XXXX, XXXX which is incorrect.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Mortgage

I recently spoke with XXXX regarding this account. Which is fraudulently reporting on my credit report. I was advised to file a dispute with the bureau to remove the inaccuracy from my credit report and file a complaint with the Attorney General and CFPB.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I 've had XXXX cards with US Bank and their subsidiary Elan Financial for several years : Account XXXX XXXX XXXX XXXX Account XXXX 2000 XXXX XXXX Account XXXX XXXX XXXX XXXX My accounts have ALWAYS been paid on time, and I usually would pay off the balance each month. My credit history is perfect with a 10 % or less credit utilization and a XXXX+ FICO credit score. 
I recently requested an increase on my credit limit so that if I make a large purchase it wo n't take more than 10 % of my credit line and hurt my credit utilization, in turn hurting my score. 
Instead of just declining my request for an increase, they responded stating they were closing all three of my accounts immediately because they said I have enough cards open and too many inquiries. 
I responded asking them why they could n't keep at least my oldest cards open, ( and/or just not get an increase, ) when I 've never been late, always pay my balance off, and have a great history and very low utilization between 0-10 %. 
I told them over half my accounts are just store cards like XXXX or XXXX where you get XXXX % off for purchasing with the card ; then I pay off the statement balance when received. I never keep a balance on store cards and just use them for their store discounts. 
Despite my pleading to keep at least my oldest account open, they 've closed all XXXX cards. 
This has hurt me as a consumer by lowering my overall credit history 's " age of accounts '' as well as decreased the available credit, in addition to deleting all the award points I had accrued in using their cards over the years. 
If I had been late, over limit, or high credit utilization, then I could understand the closure of my accounts. However I 've done nothing and would like them to reopen all, or at least my oldest account.
Product: Debt collection

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX XXXX XXXX ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under XXXX XXXX XXXX ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to XXXX XXXX XXXX I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Product: Credit reporting

The home equity account has been paid on time for years. There have been no missed payments, and the account is in good standing, as listed on their own statements. XXXX XXXX Home Equity has repeatedly reported that this account is delinquent. These reports are false and have been reported several times. XXXX continues to submit misleading reports to the credit bureau.
Product: Debt collection

This debt was made back in XXXX and I feel on hard times in XXXX and I couldnt pay it so I just let it go into collections and now they changed the date to XXXX with a 1099 attached to it, with that saying isnt that illegal to change it to XXXX? The statute of limitation in California says that you can not put something on a person Credit report after XXXX years. Please help me stop these letters from coming to me? Thanks a lot
Product: Credit reporting

I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card XXXX is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.
Product: Credit reporting or other personal consumer reports

a truck was financed with the dealership. it was wrecked and total loss. the truck was repossessed from us and we have been accused of not satisfying the loan. they got the truck back and want us to pay more money we dont have. shows on my credit report maliciously trying to exaggerate the situation to harm me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reference too close Case on experience EXPERIENCE DID NOT INVESTIGATE NOR TOOK MY DISPUTE FAIRLY I PACIFIC STATED IN THE DISPUTES WHAT WAS ON MY CREDIT REPORT OTHER SELF INCREASE THAT WAS NOT MINE THAT I KEEP DISPUTING AND THEY REFUSING TO TAKE IT OFF MY CREDIT REPORT I ALSO TOLD THEM THAT THIS WAS A DATA BREACH ON THEY END CUZ ALL THE INFORMATION THAT HAS SENT THEM SCREENSHOT THEM UPLOADING THEM AND SENT TO THEM IN PERSON SHOWING WHAT'S ON MY CREDIT REPORT THAT NOT SUPPOSED TO BE ON THERE ON XXXX XXXX MY SOCIAL SECURITY NUMBER DRIVER 'S LICENSE NUMBER
Product: Student loan

I had contacted my student loan servicer MOHELA on XX/XX/XXXX and requested a full refund on all student loan payments that I had made during the COVID-19 payment pause. This would have been on my consolidation loan ( subsidized and unsubsidized ) and would have totaled {$4200.00} ( {$1200.00} & {$2900.00} respectively ). I was told that this could take up to six weeks to process, which I acknowledged and understood. 
I called MOHELA on XX/XX/XXXX to inquire as to the status of my refund, and was told that it was still processing, but there was no problem. As per usual procedure, I verified my address, phone number, and email address. 
After not receiving my refund for nearly four months, I called MOHELA again on XX/XX/XXXX and spoke with XXXX ( employee number XXXX ), who said that there was an issue with my address being incorrect, even though she verified that she had the correct address on file. Apparently this resulted in my refund check not being sent to me. I informed her that I had received other correspondence from MOHELA, and this was beyond frustrating. It seemed completely unfair and possibly criminal that they were withholding my refund from me, and I requested that this be corrected immediately. The end result of the call was that I would have my refund check in XXXX weeks ( XX/XX/XXXX ). 
Today is XX/XX/XXXX, and I have received a financial activity summary, as well as a normal payment statement from MOHELA, but I have not received my refund check. 
Is there something the Consumer Financial Protection Bureau can do to help me with this case? I just want this resolved.
Product: Credit reporting or other personal consumer reports

I have submitted disputes with Experian about things on my Credit report. They have failed to do a full and proper investigation and have made a decision that the information was verified and accurate after XXXX hours of disputing the collections on my credit report
Product: Debt collection

Convergent Outsourcing keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not XXXX enough to start the clock all over again by sending them any money.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX