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

am filing a complaint against Experian for failing to conduct a proper reinvestigation of disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) Section 611. 

On XX/XX/year> I disputed the accuracy of the following account ( s ) on my Experian credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted Experian by phone and spoke with a representative named XXXX, who informed me that Experian had reached out to the lender. He stated that the lender merely confirmed the account should remain on my credit report but provided no actual verification documents or supporting evidence. This does not meet the legal standard of a reasonable reinvestigation under the FCRA. 

Additionally, Experian refused to provide any documentation or details regarding the verification process. The representative was also rude, dismissive, and consistently interrupted me, providing misleading and inaccurate information regarding my dispute. 

I have a full recording of this call, in which the Experian representative : 1. Failed to explain how the account was verified.

2. Incorrectly stated that Experian is not required to provide verification details.

3. Dismissed my right to receive information about the verification process under FCRA 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.
Product: Credit reporting or other personal consumer reports

I did not authorize them to access my credit information, and I am concerned about the potential impact this inquiry may have on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple complaints before for the fraudulent Bankruptcy. But now, I am submitting a new complaint for the UNAUTHRIZED and FRAUDULENT Inquiries because there are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian, is in violation of the FCRA. They are in violation of 15 U.S. Code 1666b - Timing of payments. Please re investigate and update or remove the late payments on my credit report.

15 U.S. Code 1666b - Timing of payments ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME CORRECT THESE ITEMS AND HAVE A PROPER INVESTIGATION ON THESE ACCOUNTS.

late payment inaccurate
XXXX  XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
late payment inaccurate

XXXX XXXX XXXX XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX
Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated
and promptly removed from my report. It is my understanding that you are required to verify these items with
Product: Debt collection

I called professional collector corporation on XXXX XXXXXX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. Pcc is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXXXXXX XXXX XXXX and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXXXXXX XXXX XXXX sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the pcc is committing fraud by changing these bills and putting different amounts what is owed to them and XXXX. You will see that the XXXX and pcc are both committing medical billing fraud. There is XXXX bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. Pcc still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXXXXXX XXXX XXXX and pcc need to be investigated for fraud.
Product: Checking or savings account

I use XXXX system frequently to send money to friends and family members. XXXX was working perfectly. But about four months ago, I realized that XXXX credit notification was not working. It means, when someone sends money to me, I supposed to receive a notification from the Citibank XXXX. I contacted XXXX company directly, but they said they are not responsible for this issue because I am using XXXX via CitiBank. They advised me to contact Citibank. I then contacted Citibank and I was notified by the customer service that IT department turned my notification off. I called them more that 20 times to resolve the issue, but they are ignoring this issue, and I am suffering. The last time I called they gave me an incident number # XXXX. After getting this incident number I called the Citibank again but still the situation remains same. Please help me.
Product: Checking or savings account

I am writing to file a consumer complaint against Citibank. On XX/XX/XXXX, my Citibank accounts were hacked. {$39000.00} was stolen through wire transfers and {$5000.00} was stolen through XXXX transactions from my checking account. In addition, my Citibank credit cards were all declined for unknown reasons. I immediately called Citibank customer service the same day to shut down all my accounts and to report all unauthorized transactions. The next morning, I went to a local Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a new account and initiated an investigation to retrieve the stolen funds. 

For the next XXXX months, I called and emailed Citibank representatives on a regular basis to get updates and provided them with all the information I could to facilitate the investigation. Although Citibank credited the {$5000.00} XXXX fund back to my account on XX/XX/XXXX, the investigation of the unauthorized {$39000.00} wire transfer was slow and negligent. On XX/XX/XXXX, more than XXXX months into the investigation, I was told by Citibank fraud department that the team is missing an affidavit to complete the fraud report on the unauthorized {$39000.00} wire transactions. The investigation then continued for another XXXX months. On XX/XX/XXXX, Citibank fraud department declined the investigation and provided me with the following statement in letter : You did not take adequate steps to safeguard your account. This failure compromised the security of your account information and directly contributed to allowing the transactions in question to take place. 

The investigation and the reason provided by Citibank that led to the decision were extremely careless and inconclusive. Citibank fraud department blamed the victim for the incident instead of taking responsibility for failing to protect the clients assets and informations. When I asked Citibank fraud department for a detailed report that led to the outcome of the investigation, I was confronted with hostility and lack of adequate responses from Citibank representatives. I was told that no further information will be released unless I hired an attorney and filed a subpoena to request a detailed report of the investigation. 

I have a time log of all the phone calls, emails, and in-person visits I made to Citibank in the XXXX months to show that I was diligently working with the bank to retrieve the stolen funds. I hope the agency will look into the investigation and will bring resolution to my complaint against Citibank.
Product: Debt collection

Received notice from checking my credit report on XXXX that I owed a bill to XXXX  XXXX collecting for XXXX XXXX in the amount of {$700.00}, I have previously had this debt removed that was sent to several other collection agencies by XXXX & had explained to them that the account they were inquiring about was not mine but was my mother in law 's cable / internet when we lived with her, was not discharged properly due to us being evicted from her residence & having a guardian put over her finances & estate
Product: Credit reporting or other personal consumer reports

Please conduct a proper investigation and REVIEW the attached document from XXXX. I request that the following collections be removed from my credit reports : XXXX XXXX : XXXX - XXXX : {$1500.00} **Account Number : XXXX - XXXX : {$2900.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  ACCOUNT # XXXX, open date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted by bank for identity theft before. Im in contact with Expertian to dispute and close the credit card numbers under my name.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am reaching out today to provide a follow-up on a previous communication regarding my situation as a victim of fraudulent activity. As per the provisions outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to promptly remove any entries listed on an identity theft report, reference number XXXX. Enclosed, you will find the necessary documentation aimed at facilitating the expeditious removal of inaccurate personal information and inquiries that have been erroneously recorded on my credit report. Below, I have outlined the specific items that were opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any consumer file entries identified by the consumer as resulting from alleged fraudulent activities within 4 business days of receiving such notification.
Product: Debt collection

I had a defaulted credit card obligation that I owed to XXXX XXXX XXXX. They filed suit against me in the Magistrate Court of XXXX County, Georgia. A judgment was entered against me for {$1700.00}, on or about XX/XX/XXXX. In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan. I was told that I would have to satisfy the outstanding judgment lien to XXXX XXXX XXXX   before the re-financing could be completed. I contacted the law firm representing XXXX XXXX XXXX, Cooling & Winter, in early XX/XX/XXXX. We reached a settlement amount of {$1500.00} to resolve the debt. I spoke with attorney XXXX XXXX. I mailed certified funds for {$1500.00} ( cashiers check ) to XXXX XXXX of Cooling & Winter on XX/XX/XXXX. They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX. They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by COOLING & WINTER, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier. My employer had been served with the garnishment and withheld 25 % of my pay plus fees. A total of {$770.00} was taken from my paycheck. 

On XX/XX/XXXX, I immediately called COOLING & WINTER to see what was going on. I left messages for both XXXX XXXX and his assistant, and never received a call-back. On Monday, XX/XX/XXXX, I again left messages for XXXX and never received a call-back. 

This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25 % OF MY CHECK. AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF {$100.00}. THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED. 

They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED. THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR. 

THE OFFENDING LAW FIRM/DEBT COLLECTOR IS : COOLING & WINTER ATTORNEYS AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX  Mortgage Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX  Mortgage on my credit files with XXXX and TransUnion. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : FHA XXXX XXXX Mortgage XXXX XXXX XXXX XXXX : TransUnion XXXX XXXX Inaccuracies and Issues : Inconsistent Date Opened : TransUnion XXXX Reports XX/XX/XXXX XXXX : Reports XX/XX/XXXX Erroneous Account Status : TransUnion XXXX : Late XXXX  Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within XXXX  days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off account from Chrysler capital on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by Chrysler settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by Chrysler capital & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and XXXX who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX