23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BA Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX IN 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: Debt collection

I enrolled in a payday loan debt consolidation program eliminatepaydayloandebt.net XXXX Payday Loan Debt Relief XXXX in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after Payday Loan Debt Relief withdrew {$400.00} each month for XXXX months. I was promised a closure letter and finally received it XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted XXXX and they state they have not received any payment.
Product: Debt collection

Portfolio Recovery Asssoc reported a debt for {$2100.00} on my credit report as an account opened in XXXX of 2018. It lists the original creditor as " 08 XXXX XXXX  XXXX. ". I have only had three credit and merchant accounts in my life and XXXX was not affiliated with either. I had NO credit or merchant cards opened in 2018. I contacted PRA where the representative refused to provide evidence of this debt or to remove it from my report. Instead insisting only that I owned them {$2100.00}. He refused to open an inquiry of any sort or take any action regarding my dispute. I have disputed this debt with all three credit bureaus and hope that this attempt to scam me is corrected in a timely manner. 
XXXX XXXX  is apparently no longer in existence as I did try to reach out to them to correct this error.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has filed a lawsuit against experian, alleging systemic issues such as failing to foward consumer-provided ecidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Thee failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit report. I am requesting immediate corrective and removal of all disputed and " potentionally late "/ and or paid accounts, as Experian 's inaction violates fedral law and my rights as a consumer.
Product: Mortgage

Hello, This is a follow-up to the previous complaint as I have asked the lender multiple times to address the breakdown of line item charges as they do not seem to be accurate and the property has been sold already yet this lender is still working on a response for these line item charges listed on the Payoff statement. This just does not make sense as the Customer Service is incompetent and can not tell where these numbers were derived from which are obvious overages for fees/charges in spite of the fact that I have requested this information numerous times in the past still no resolution to it.. 

This lender has ignored requests to reply in time and has basically gotten free money from the Payoff of the loan. 

Does CFPB even do anything as the lender can just make up numbers when it comes time to Payoff as unfortunately, the house sale did not need to be delayed yet this lender has bogus charges on the Payoff statement that Escrow will not question? 

There needs to be some type of investigation as I do not believe these line item charges to be accurate.
Product: Credit card

I applied for the Gap Visa card and was declined after they told me that I wasapproved at first and so they lied to me this is not right as a bank they shouldnot be lying to me this is not right they need to upgrade my card to a visa forlying and i want a number to call to talk to them about this situation
Product: Debt collection

XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. Barclays Bank Delaware knew about my situation. The Charge Offs with Barclays Bank Delaware need to be verified, otherwise should be removed. Thank you kindly.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, I received a text from Huntington Bank about a possible fraudulent charge. The transaction was declined. I went online to look at pending charges and found two transactions before that had been charged to my account that were fraudulent charges. The Transaction dates were on XX/XX/XXXX and XX/XX/XXXX. I called customer service immediately. The customer service rep on the phone agreed that it was strange the charges were done on the East coast ( a place i have never been. ) They claimed they could not do anything till the transactions had hard posted. They also said they would immediately send me a new card. I was a bit on edge, because another credit card of mine had fraudulent charges a few months ago ( discover ), but the fraud charges were immediately taken off. It was a simple process that was resolved within 5 minutes of me calling. It seems Huntington Bank was going to put me through a lengthier process. They claimed this process was similar to another big bank. 

I kept being persistent and kept calling customer service. On Tuesday, XX/XX/XXXX, the transactions had finally hard posted. I called and they put me the fraud department. They said i would probably receive a provision credit within a week and that they would immediately send me paperwork to fill out. 

The current date is XX/XX/XXXX. I have checked the mail every day and have found no credit cards or fraud dispute papers. The fraudulent charges are still on my account. Everytime i call, the company seems to give me the run around and is prolonging the process. All the paperwork, replacement card, provisional credits, issues of resolve have not processsed at all. There is nothing, but silence from the part of Huntington Bank. 

the fraudulent charges ( which the customer service reps seem to acknowledge is fraud ) are posted on post date XX/XX/XXXX trans date XX/XX/XXXX Wawa XXXX XXXX XXXX , FL reference number XXXX for {$100.00} post date XX/XX/XXXX trans date XX/XX/XXXX XXXX XXXX XXXX XXXX, FL reference XXXX for {$99.00} the third fraudulent charge that was not processed matched the XXXX XXXX above. They acknowledged that was fraudulent, but refuse to do anything about the ones that have gone through.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX XXXX, and Experian credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported to XXXX that the Date Of First Delinquency is XX/XX/XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and Experian  to reconcile my credit file as to account number XXXX to be consistent with that of XXXX 
3. XXXX XXXX XXXX sold account number XXXX to XXXX XXXX as of XX/XX/XXXX which clearly state the intent of XXXX XXXX XXXX and its expressed date of first delinquency as " XX/XX/XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the DOFD is ( XX/XX/XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report. I am a victim of a data breach, and these items have been fraudulently added to my credit history. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action in removing these inaccuracies. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 


I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. 

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHOD USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST REMOVED. REFER TO ATTACHMENT 1. PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS, EMPLOYERS, SOCIAL SECURITY NUMBERS AND ANY OTHER VARIATIONS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT.

REFER TO ATTACHMENT 2. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection on my credit report on account ( XXXX XXXX ) opened on XX/XX/2019. Do not know anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I am formally disputing the private student loan accounts reported by XXXX and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report. 

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA. 

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. XXXX actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.
Product: Credit reporting or other personal consumer reports

I am in the process of applying for a mortgage and during the process I noticed these fraudulent accounts showing on my Equifax credit report. Please remove these accounts immediately. I have listed the accounts and dates showing opened below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX I submitted a second dispute regarding several inaccuracies and misinformation that is on my credit report. Accounts reporting inaccurately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of XXXX  being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting these late payments on my profile are indeed inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/2021 and XX/XX/2021. In my dispute I advised that the account was open not closed and status needs to be updated. When I get back the results they are only in regards to the payment history. My dispute is about the account status not the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to transunion, XXXX  and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.