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

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Credit reporting or other personal consumer reports

Kindly remove these addresses and update it with my current address there should be XXXX ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX card services reported my business credit card to my personal credit report with equifax in error, which dropped my credit score XXXX points as a result. I called the company who stated that this was an error on their end and that my business credit card should not be reported to my personal credit. It appears this affected many account holders.
Product: Credit reporting or other personal consumer reports

Sent in DISPUTES WEEKS AGO DISPUTING THE LATE PAYMENTS ON SEVERAL ACCOUNTS. I WAS NEVER LATE ON ANY OF MY PAYMENTS.ON ANY OF MY ACCOUNTS. AND I WAS NEVER GIVEN THE DISCOUSURES IN ( 15 USC 1637 ( B ) 21 DAYS PRIOR TO THE DUE DATE UNDER 15 USC 1666 b ) I REQUESTED THAT THE ACCOUNTS AND DATES BE UPDATED TO PAID ON-TIME, PAID AS AGREED, NEVER ; LATE. THE ACCOUNTS ARE STILL REPORTING LATE PAYMENTS WICH IS A VIOLATION OF THE FCRA.. I AM REQUESTING " THE METHOD OF VERIFICATION '' USED IN VERIFING THIS INFORMATION BY YOUR COMPANY. IF THESE ACCOUNTS ARE NOT UPDATED TO PAID AS AGREED, PAID ON-TIME, AND NEVER LATE, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS.
Product: Debt collection

XX/XX/2018 I spoke with XXXX XXXXXXXX XXXX and resolved that an account they was reporting on my credit report was not mine XXXX XXXX XXXX concluded in there investigation the account was opened fruadulantly and removed there account from my credit reports, I contacted XXXX XXXX as directed by XXXX XXXX XXXX and the phone receptionist assured me the account listed by them would be deleted within 72hours and still they're reporting negative inaccurate data on my credit report causing me to be denied credit and employment in my field of work, I sent direct dispute letters with no response. XXXX XXXX is knowingly and willfully reporting inaccurate incorrect information about this account that does not belong to me. The account reporting is incorrect in their files according to the receptionist it doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three bad accounts appeared on my credit report after I paid off three credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the three banks, XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem
Product: Credit reporting or other personal consumer reports

INQUIRY REMOVAL LETTER YOUR NAME : XXXX XXXX XXXX YOU ADDRESS : XXXX XXXX XXXX XXXX XXXX  NY XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Credit Reporting Agency ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, ( Credit Reporting Agency ) to produce a contract between you and I consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you I My contact information is as follows : YOUR NAME : XXXX XXXX XXXX YOUR ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved INSPIRING
Product: Debt collection

Im requesting a cease and desist upon this account. This company has not been nor am I providing the consent to contact me over the phone nor in writing. I have proof where this company has provided me two separate contract via different means. One being through the complaint portal on this cfpb website and second via mail. I have already contact the attorney general and taken the necessary steps and have a complaint on file and the XXXX. I have now sought legal counsel who has advised me this company has broken laws just with the contracts. I am no longer going to deal with this company myself and prepared to sue not only them but any credit bureau reporting this inaccurate information. I thank you for the time and wish the results couldve been different, but unfortunately the lack of concern and integrity just is lacking within this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I sent a letter in XXXX and XXXX of XXXX asking the collection agency to verify my debts. They never responded to me. I get letters now at the end of XXXX from a law group asking me to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer/client/member of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters.

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security.

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My Bank Of America account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the bank of america account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Bank Of America has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document anything.
Product: Checking or savings account

The account in question I was scammed out of in 2020. The scammer deposited checks adding up to around {$3000.00} ( I have never had this amount of money before in any account ever ) The money was then distributed to different accounts ( including XXXX XXXX payment for {$1000.00} ) The checks ended up being fake and the bank reversed the funds leaving me a negative XXXX dollar balance ( along with the inflated overdraft fees that were later applied ) The account was then closed. I never filed a dispute or was able to do much of anything about my issue, I played phone tag with the customer service there, they kept insisting that I had to pay that money back but it was never my money in the first place. I have not been able to open a bank account for the last two years and I still do not have the money to pay the bank back- which I should not have to nor want to do as this was a completely fraudulent event on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with XXXX  and on Equifax. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX  XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX XXXX  could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on XXXX  and on Equifax based on me trying to resolve this account with no answers directly from the company.
Product: Checking or savings account

This is my SECOND COMPLAINT regarding the service I have received from XXXX  XXXX. I hope the Consumer Financial Protection Bureau will help me resolve this complaint with XXXX  XXXX. 

I received the attached email from XXXX  XXXX  stating that I would be receiving paper statements of my account. As of this date, I have received NO, repeat NO, paper statements of my account from XXXX XXXX 

I tried contacting XXXX XXXX by telephone, but always received a busy signal. I feel I have already spent an inordinate amount of time and effort to obtain my bank statements. 

I would appreciate an EMAIL response from XXXX XXXX to this complaint. The email response should address my specific complaint, and NOT simply ask me to contact XXXX XXXX by telephone. I prefer to be contacted by email at XXXX. Do NOT contact me by telephone.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The three companies have different requirements and methods of application. The worst by far was Experian which has a hyperlink advertising " minor children and incapacitated adults '' ( XXXX XXXX XXXX.experian.comXXXX  ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( XXXX XXXX XXXXwww.experian.com/XXXX  ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/year>. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. Experian 's failure to make is accessible online or XXXX provide what is required for incapacitated adults is discriminatory to people with XXXX and should be considered as such.