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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Debt collection

I was making payments on time but I was involved in a car accident and I tray to negotiate with them I I told with them about my situation but they didn't work with me also they send my to collection I didn't think is fair becouse becouse I dint have income even for my self and also I didn't have enough money to pay the amount they want to pay to the company
Product: Credit reporting or other personal consumer reports

My credit has been breach by Equifax I have the engagement number XXXX.
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX 19 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX my Discover Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from Discover Bank to the IRS on my XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that Discover Bank, XXXX, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. Discover Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit report that I do not recognize. I never applied to this company, nor did I give consent for them to access my credit file. This situation is deeply concerning and causing me unnecessary XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with XXXX   XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with Experian XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX  several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX  is inaccurate or because I have made all on time monthly payments from XX/XX/2018 through XX/XX/2018. I am requesting that the item be removed because you XXXX has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX  and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Product: Payday loan

XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill. 

I called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon. 

The customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}. 

I called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this. 

I am already ill but would like to know do I have standing to bring a suit against Advance America for Damages. 

They had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account.
Product: Debt collection

My father in law was contacted by a " XXXX XXXX '' from XXXX XXXX XXXX, out of XXXX XXXX, TX. XXXX stated they were looking for me, for theft of goods and services. My father in law gave me the info to call. I called within 5 minutes, and spoke to XXXX, he told me I owed XXXX for a payday loan from Check XXXX XXXX  Go that was taken out XX/XX/XXXX. ( The loan was only {$500.00} at most, per state of Oklahoma laws ) He then asked me what happen and why did I stop paying- I didn't answer his question and advised him the debt was too old, and past the statue of limitations. He then said I made a payment on XX/XX/XXXX ( I did not make a payment ). So I asked for proof. He told me he couldn't do that. I stated he had to give me proof of debt, he again refused because they were going to be filing to sue me the next day. He stated he was the attorney representing the case, I asked him as the attorney he should be able to send proof of debt, he again stated he can't. So I told him okay, than this isn't legal debt collection practice which he argued it was, refused to send proof, and told me good luck in court- he then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please immediately REMOVE the following INQUIRIES from my Equifax credit report as requested by XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows I have a XXXX XXXX Credit Card. I do not. I have disputed this with Experian several times. I have submitted several letters from XXXX XXXX stating that XXXX XXXX knows I am not on this credit card. XXXX XXXX has been very helpful every time I have called and they have supplied numerous letters all stating I am not on this credit card. I even spoke to an account executive to make absolutely sure if Experian contacted XXXX XXXX to let them know I am not on the account. Which they did. Experian continues to report that I am on this credit card account even with all of the proof from XXXX XXXX showing I am not.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've went to the collection agency and disputed their claim under section 809 of the FCRA. I've sent a letter on two different occasions AND NEVER RECIEVED A RESPONSE BACK. This is a violation of the FCRA and the FDCPA. Why are these laws in place if agencies such as " National Credit MGMT '' aren't going to follow and comply with federal law? 

I sent mail to this establishment twice through the USPS postal service through certified mail. XX/XX/XXXX and XX/XX/XXXX One letter was signed for XX/XX/XXXX The other was signed for XX/XX/XXXX
Product: Credit card or prepaid card

I keep getting calls from multiple credit card companies however, Im only XXXX I never have filed for a credit card and now my score is the low Somebody stole my Social Security, and has been using it racking up credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, The listed accounts below are reporting inaccurately on my consumer report and are violating my rights also my rights to privacy and confidentiality under 15 USC 1681. Experian Credit reporting agency has failed and violated my rights protected under the FCRA, by continuing to report negative and inaccurate information on my consumer report, where I the consumer did not give ANYONE PERMISSION TO SHARE ANY INFORMATION CONCERNING ANY TRANSACTIONS OR EXPERIENCES WITH ANY OF THE COMPANIES MENTIONED BELOW. NOR DO I RECOGNIZE THE ALLEGED DEBT ASSOCIATED WITH ( XXXX XXXX XXXX acct # XXXX ) WHERE EXPERIAN HAS FAILED TO HAVE XXXX SEND PROOF TO VALIDATE THE ALLEGED DEBT. 

Furthermore, Experian is Reporting an alleged late payment associated with ( XXXX XXXX XXXX, which is also in violation of my rights under FCRA. 

Account name : XXXX XXXX XXXX XXXX, acct # XXXX Account name : XXXX XXXX XXXX, acct # XXXX Account name : XXXX XXXX, acct # XXXX THE ABOVE MENTIONED ACCOUNTS ARE BEING REPORTED WRONGLY AND INACURRATELY, AND 15 USC 1681 section 602 A, STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written permission/ instructions.

15USC 1681 C, ( A ) ( 5 ) STATES '' NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINNING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 BELIEF THAT THE INFORMATION IS INACCURATE.

THESE INACCURACIES IS AFFECTING MY CREDIT SCORE AND MY CHARACTER WHICH PREVENTS ME FROM OBTAINING CREDIT AND ULTIMATELY AFFECTING MY MODE OF LIVING AS A LAWFUL CITIZEN.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I submitted my dispute letter advising the finishers are reporting inaccurate information I have filed and fraud report and sent them before of the unauthorized accounts there havent accepted my dispute letter and keep telling my a third party company may have sent them a dispute letter when I was the one who sent it with my personal documents drivers license, social security number & proof of residence
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows late on both Equifax and XXXX. Requested to be fixed by XXXX  XXXX and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Product: Credit reporting or other personal consumer reports

I put in a complaint prior to this that is currently still open they responded that they will check with Experian and get back to me. Its been two weeks and no response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 

This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Okay in XX/XX/2018, I had three jobs. I got evicted because my partner forgot to pay rent, then the power got shut off. 18 hours of work in one day, move a box off of the couch and a knife fell out, and I sat on it. I had to take an ambulance ride. After that I XXXX XXXX And lost all of my jobs, and my home. Long story short, the ambulance didnt bill my insurance and I owed them XXXX that I wasnt ever notified about. I called CSO.financial to pay off an unrelated debt and come to find out now I owe XXXX in less than a year? They never contacted / reached out to me. I requested the breakdown of info so I could file a claim with my insurance, the woman said she had already sent one and then sent me a notice stating your request for future documentation will be denied, we have already provided all required documentation. I called the XXXX XXXX billing and got ahold of my records there. Then my insurance cleared my outstanding balance. This debt collection agency now wants over XXXX. I cant afford this absolutely outrageous debt. The agency was an absolute joke, assigning me to a case manager that was never in the office and when she was treated me like a piece of garbage. Honestly everything about my case manager was shady, I dont know who else to turn to for help.
Product: Student loan

I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.