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

I am writing to formally request the removal and blocking of all fraudulent accounts and inquiries listed below, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a recent victim of a data breach, I am exercising my rights to ensure that any accounts established or inquiries made without my authorization are removed from my credit report. 
The following inquiries are unauthorized and were made fraudulently : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED A BANKRUPTCY LISTING IN MY CREDIT FILE WITH EXPERIAN IN XXXX XXXX.I RECIEVED THE RESULTS OF THAT DISPUTE ON XX/XX/2018. EXPERIAN CLAIMED TO HAVE VERIFY THE LISTING WITH SOME UNNAMED COMPANY ( NOT THE COURT ). I CONTACTED THE COURT CLERK AND WAS TOLD THAT AND PROVIDED A LETTER STATING THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF.ON EXPERIANS RESULTS OF THE DISPUTE RESULTS, THEY PROVIDED NO INFORMATION ON THIS UNNAMED COMPANY. EXPERIAN HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE FCRA CLEARLY STATES THAT THE INFORMATION MUST BE VERIFIED BY THE ORIGINAL SOURCE.PLEASE SEE THE COPY OF THE LETTER FROM THE COURT AND THE COPY OF THE DISPUTE RESULT FROM EXPERIAN
Product: Debt collection

Portfolio Recovery keeps calling me to collect debt without telling me what debt I owe. I have run credit reports to check on my end what the debt could possibly be and there is nothing that is outstanding. My credit score is above XXXX so I don't know why they keep calling and harassing me. They call me at least once a day. It's infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXXXXXX and that account will remain on my credit report until notification from XXXX  XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX  XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX  XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXXXXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX  XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I reached out to the Credit Reporting Agencies and informed them of the issue at hand. I requested an investigation of the matter, but the results of their investigation were inaccurate. I then reached out to my Creditor directly and they then informed and provided me with documents illustrating the correction of the information and informed me that the Credit Reporting Agencies are reporting information inaccurately on my credit report. The 3 major CRA 's continue to report inaccurate information on my credit report despite the knowledge that the information they are reporting are inaccurate. Due to XXXX, Equifax and XXXX 's negligence, my livelihood has been negatively impacted and the reporting of such negative/incorrect information has wrongfully impacted my ability to obtain credit and has resulted in my denial for credit when applied for. Furthermore XXXX, Equifax and XXXX are all reporting the same inaccurate information differently on their credit report system and all differs from that of my original Creditor 's. This is a clear violation of my rights, and they are in violation of the law.
Product: Debt collection

Contacted by 2 separate numbers : XXXX and XXXX multiple times now. Some of the times I did not answer. I first answered on XX/XX/XXXX and a female tried to ask for identifying information and tried to refuse to tell me where she was calling from. I threatened to hang up and eventually she told me she was calling from a supposed " Credit Corp ''. She pretended they had sent me a mailing as well prior to the call which did not happen. I told her I did not owe any debt, to stop calling, and hung up and blocked the number. I called both my bank and XXXX and verified that I do not have any outstanding debts not anything showing in collections. In fact my credit score is Excellent. 

Today I received a call and again after much pressing they said they were calling from Credit Corp. I reminded them I had told them not to contact me and she pretended it was the first time they had ever called. After again stating I did not owe anything and would be contacting the authorities they became hostile and asked who my lawyer was. I disconnected again and blocked the additional number.
Product: Credit card

Synchrony Bank single handedly made my credit score plunge BY cutting my credit limit and causing my cards to appear at XXXX % utilization rate. I have XXXX credit cards ( lowes, walmart, amazon, tjmax- score lowered and XXXX closed ) with this bank and it is no question that they cause me great harm. My score dropped so low, I was denied a mortgage because of their malicious credit practices that are truly unfair to the consumer. I have never been late on any payments and have always paid as agreed. Please investigate their malicious practices. If I could sue them, I WOULD and have placed a formal dispute with the company.
Product: Money transfer, virtual currency, or money service

I received two unauthorized pre-paid cards ( 1 ) XX/XX/XXXX and the other XX/XX/XXXX of 2022, in the mail via CashApp. Both have my address and full name on them. I have never signed up with CashApp prior to receiving these cards, for some reason you need an account to talk to their customer support, which is in app and then they email you for further assistance. I have reported these cards there. I have not received a response from this company in regards to if these accounts will be terminated. I don't know the extent of what info is needed to gain access to create a pre-paid debit card through their app. I am concerned that this will continue to happen and I will have multiple cards sent under my address and name.
Product: Checking or savings account

{$5000.00} was stolen from my bank account XX/XX/XXXX around XXXXXXXX XXXX. I instantly notified Navy Federal and begged if they could stop the pending transaction and asked if Navy federal can retrieve my money back by going into the persons account and I was told no I would have to wait until the transaction was posted and put a fraud claim in. So I did as instructed, XX/XX/XXXX I put in a fraud claim and I set up a new bank account and ordered a new debit card and when I put in that fraud claim I attached my police report to my fraud claim. XX/XX/XXXX I received a letter in the mail stating verbatim After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$5000.00} XX/XX/XXXX I called Navy federal representatives during their normal business hours and sat on the phone for more than 2 hours to request information regarding why Im responsible for the amount of {$5000.00} and I was informed my fraud claim is considered a domestic dispute and I would need to take it up with the police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. PLEASE CHECK FTC REPORT. THESE ACCOUNTS DO NOT BELONG ON MY CREDIT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

my mother past away several months ago and her apartment was willed to me. After numerous attempts to resolve the transfer of mortgage to my name and a complaint being filed with this bureau. Bank of america had not reached out to me to state that the problem was resolved. I submitted the paperwork that XXXX XXXX told me to submit. After numerous attempts to contact Ms XXXX to see if paperwork was submitted properly I received no call back or any written corespondence. I was advised I had 60 days to submit the paperwork.After staying on hold for hours in order to reach someone at Bank of America no one was able to help me. Ms XXXX was left several voice mail that she never responded to.I am seeking to finally resolve this issue to have the mortgage transferred to my name which is legal right.
Product: Credit card or prepaid card

Booked a snorkling tour on XXXX XXXX, Hawaii, on XX/XX/2021 for the tour on XX/XX/2021 at XXXX XXXX  for {$300.00} ( including rewards points ) through Chase Banks ultimate rewards site using my Chase credit card. Trip was confirmed by leaving a message for the vendor XXXX XXXX XXXX. The vendor never showed up for the tour and I called up Chase Bank about it by XXXX XXXX, and on several occasions after that to get my refund. Chase Bank refuses to issue refund until they get money back from the vendor.
Product: Debt collection

My XXXX  score took a hit and I found a collection on my file from Credit Control Corporation for {$170.00} listing XXXX XXXX as the client. I disputed this debt with the credit bureaus over a month ago. XXXX later deleted it but it remains on my XXXX and XXXX files. I called Credit Control and first stated that I was not notified about this before they reported it to the credit bureaus. She claims they called me and sent me a letter. 

As far as a phone call, it could be true because I do remember getting a call months ago and the person said it was a debt and asked for my address and date of birth. I refused and she refused to speak to me without proof of my identity. I do not have debts that I do not pay so it seemed like a scam to me, so I am not sharing my personal information with a random phone caller. But, that could be what they consider calling me if the call was from them. Regarding written communication, I did not get any and after the call today I went through my USPS Informed Delivery emails looking for a photo of their communication with negative results. 

As far as the debt : I had XXXX XXXX for 8 or 9 months but it did not work for the first three weeks even though they sent technicians to my house a few times and I spent many hours on the phone with them. It was then unstable and we later had several days and a week here and there when we had no internet, television, or phone service. In the end we had been without all three services for over two weeks. I spend a lot of money on tuition and needed to get back online, so I finally switched to XXXX XXXX XXXX. XXXX claimed I broke the contract to retain their services for two years. I claimed they broke the contract by repeatedly not providing the service they agreed to, then repeatedly not repairing or successfully resetting the service and making me go days and weeks without internet, television, or landline. They actually owed me money when I advised them to close my account. 

Today I attempted to make an agreement with the Credit Control Corporation representative, XXXX. She said the new total is {$200.00}, which I do not understand. I offered to pay them the total after they agree in writing to delete the collection from my credit files as errors. I also asked for a receipt so I can add it to my legal complaint against XXXX XXXX and recover the money I give to Credit Control. I offered this to get my credit file back where it belongs while I continue to dispute this, also knowing that Credit Control is not at fault for XXXX XXXX ' poor practices. XXXX refused to delete the collection saying it will just show paid on my files if I pay it. She also said she can not send me a receipt unless I pay the bill online because I would have proof of payment that way. This debt is erroneous and I just want the collections removed from my files completely. I was willing to continue my dispute with XXXX and take Credit Control out of the equation by paying a false debt in exchange of having my credit files returned to normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified inaccuracies in certain information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the XXXX and Transunion credit bureaus to authenticate these accounts. Failing to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. The following accounts listed on my credit report require investigation and correction due to their erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove inaccurate account that has not been validated. Experian continues to accept summarized typed documents from XXXX XXXX to continue Experian to keep the account in my credit report. 

Experian refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Experian allows this and says account validated it is not. 

There was a settlement just settled with Experian who have not corrected any of their records they refuse to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I checked my report and found out a hard check was done on my credit that i did not authorize, I do not even know this company! I check my credit very closely. I called the number that was listen in the contact info and it transfered me to transunion report. This is how the contact info looks : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my TransUnion consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX Account number XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) 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 ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX  XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX  XXXX Account number XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Student loan

I am behind on my student loan because I can not afford the payments. I contacted the servicer to see if they can offer me any assistance to bring the account current or at least get on a payment plan. They have no options for me. So although I am attempting to pay because I can not pay the past due balance in full there is nothing they can do. This is very frustrating because it seems that all I can do is have the account go to collections. I have been paying on this account for 7 years now and ran into financial difficulties. It seems that more options need to be available to help borrowers pay these loans.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equitax complies with federal law and provides consumers with the necessary proof of investigation.