23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 'm a US citizen staying in XXXX, and because of a recent burglary, my identity was stolen and used. I was advised to report this to the credit bureau, Equifax through the phone. I called the Equifax number : XXXX but the automated system does n't take foreign address or phone number. It requires me to mail in my request and that will cause delay to set up the fraud alert.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 has violated my rights. 

15 U.S.C

1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor :XX/XX/XXXX - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. 
- Date of Original Dispute : XX/XX/2024 I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau. 
This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. 
Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

This is a Debt buyer. As this debt buyer is not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

In addition, Per Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item, specifically the original application, original contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law. Please research and delete the inaccuracies ASAP. In the past I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with TRANSUNIONXXXX XXXX. No consent is identity theft. On XX/XX/XXXX, I called TRANSUNION/XXXX  XXXX and spoke with XXXX XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent stated that he would have to open a dispute with for an investigation. I explained that they are the one who is committing identity theft and they are not the middle man but they are responsible and I the consumer have the right to privacy. He said there was nothing that he could do. I explained that I will be filing a CFPB report and he then tried to tell me what not to say in my report however I told him that TRANSUNIONXXXX XXXX is breaking the law and they are liable for all damages and he is contributing to the damage by not removing the inaccurate information being reported on my consumer report. I mailed out all documents certified with return receipt. TRANSUNION has received the documents and I have attached all documents including the signed return receipt showing they received the documents on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I have been affected by the equifax security breach. I want to file a consumer finance protection complaint against Equifax.
Product: Debt collection

My husband died XX/XX/XXXX. Per advice to notify all businesses/utilities, bank accounts, etc., about his death, I called Citi XXXX to tell them my husband had died. They told me his name was on our credit card as primary and the card would have to be cancelled as of XXXX. 
I was surprised to hear that - we had been married for 48 years, and had a credit rating of XXXX. They gave me no alternative. Our balance on the XX/XX/XXXX statement was {$76.00}. I had made a {$20.00} payment on XX/XX/XXXX. I expected to get a statement from Citi showing my balance and final statement, since they told me they had to cancel the account. 
Instead, I received a letter, not from Citi, but from XXXX XXXX addressed to the Estate of my husband, asking me to call them, and telling me the amount due was {$100.00} by XX/XX/XXXX. He does not have " an estate ''. The letter they sent had in bold print the following : You personally are not required to pay any of the debts of the Estate. 

I called Citi and talked to three different people and each one of them put me in touch with others at Citi ( and XXXX XXXX ) - all pretending to be helpful, but all of the referrals were a dead end with no one to speak to, with the exception of XXXX. I told City they needed to send me a statement as to the amount due and they have not done that. I do not want my good Credit rating to be damaged and having a collector to receive the money would do that. I told Citi to bill me and I would pay them, but they cut me off. 
I was shocked to be treated in that manner. If I had known this was their policy, I would not have informed them of my husband 's death.
Product: Credit reporting

We were involved in an issue where XXXX promised to help us and extend the payments out on our vehicle when my husband lost his job. One day they came and repossessed our vehicle. They sued us for the money and we gave them a settlement but it still shows on our credit and we want it to show paid on our credit report.
Product: Debt collection

I have an account reporting that has been CHARGED OFF, REPORTING BALANCE. Once an account has been charged off there should be NO BALANCES REPORTING. 15 US CODE 168a1, account should. Account has misreporting info, The charges from BARCLAYS BANK DELAWARE, with balance remaining. XXXX, where someone else you used my info, to purchase and not pay. Please remove this account under FCRA AND CFPB,
Product: Debt collection

I have no legal obligation in writing with my wet signature to pay or deal with XXXX XXXX XXXX or Halsted financial. And they both keep threatening with lawyers and legal action. I request for any and all reportin they may be doing to the bureau 's be deleted from my credit report and for all attempts to harass me cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus Equifax and XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards XXXX XXXX
Product: Debt collection

Chase Bank told me I owed over Five Hundred dollars from past accounts and if I wanted to open a new account, I must pay the past due amount. They then requested my current address information and sent me an email confirming the new address update. I told the representative that I filed bankruptcy and the old accounts were included. He replied that in order to open the new account I had to pay off balances from the old account.
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 right to privacy and confidentiality under 15 USC 1681. 

Account number # XXXX XXXXXXXX Account name : XXXX XXXX  Account number # XXXX  XXXX Account name : XXXX XXXX  Account Number # XXXX XXXX XXXXccount name : XXXX XXXX XXXX Has violated my rights. 

I looked at my Equifax report on XX/XX/year> and noticed somethings are incomplete and not accurate. According to to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681I 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall - ( i ) promptly delete that item of the information from the file of the consumer or modify that item of information, as appropriate based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

First I was not properly explained during my account opening the opt in or opt out procedure of overdrafts and they did n't go over any of the additional steps that I needed to take to ensure my protection against overdraft fees. I had the money available in my savings account but the personal banker had not linked my accounts together like I assumed she had when she talked about it. She explained the opt in as overdraft protection instead of what it really was. She also did not give me a temporary card when opening my account so I had no access to my money until I came back from vacation even though she knew I would need it. She did not go over the steps needed for online banking and I was not able to make the changes to protect myself against fees such as linking accounts and setting up alerts which I thought she had already done for me since it was something that was discussed. 

After I had noticed that I had over {$200.00} in fees in less than 2 days I went to a branch near my work but they could n't do anything since they did n't have an approval from anyone. The manager at the XXXX branch attempted to get approval but there was neither a manager or assistant manager to help and they told me I had to go in the next day when they would be available. When I went in to the branch that opened my account I was not able to speak with the manager because he was in a meeting. I asked if I could come back later and the assistant made a point that he would not help me and that it would be useless for me to call him at a later time. I then tried to get information about the call center and whether they would be able to help but she told me there was no point and that if she would n't help me no one else would be able to do anything either and I just had to take the fees. She was extremely rude the entire time and from what I understand from her customers and employees she is like this with everyone and also treats her employees poorly to where they no longer wish to work there just because of her just as I no longer wish to bank there anymore. This assistant manager is in the U.S. bank location in XXXX at XXXX in Colorado.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a auto on XX/XX/XXXX and was horrified to find out XXXX is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with XXXX? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this XXXX credit score and she suggested using another credit bureau. Same thing with Experian - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX  DTI. I believe this is personal because int the past I had a run in with one of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.
Product: Credit card

On XX/XX/XXXX I applied for a PayPal Credit Card. I was denied because Synchrony Bank claimed that I had a previous PayPal Credit card that was not paid as agreed. This is a false statement because my previous experience with Pay Pal Credit was covered by the CFPB lawsuit : PayPal to Refund {$15.00} Million to Consumers and Pay {$10.00} Million Fine XXXX  , D.C. Today the Consumer Financial Protection Bureau ( CFPB ) filed a complaint and proposed consent order in federal court against PayPal , Inc. for illegally signing up consumers for its online credit product, PayPal Credit, formerly known as Bill Me Later. The CFPB alleges that PayPal deceptively advertised promotional benefits that it failed to honor, signed consumers up for credit without their permission, made them use PayPal Credit instead of their preferred payment method, and then mishandled billing disputes. Under the proposed order, PayPal would pay {$15.00} million in consumer redress and a {$10.00} million penalty, and it would be required to improve its disclosures and procedures.
Product: Checking or savings account

I was referred to a tax professional by Wells Fargo rep whom replied to prior CFPB complaint regarding a reported amount of {$5100.00} for tax year 2020, this amount was not received from Wells Fargo as detailed in numerous prior CFPB complaints to date. Tax professional advised Wells Fargo needs to correct reporting information to show no payment received or IRS will collect taxes on payment regardless if received or not... I've attached 1099 form showing amount reported, needs to be corrected to show no such amount received. As explained numerous times prior and again here, payment was supposedly sent via XXXX, no signature required, to my old address in XX/XX/2020 after I moved in XXXX of 2020. Payment sent to address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, I currently reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX was intercepted, cashed by a third party, no funds received.. IRS reporting information needs to be corrected to show no funds received, if not, they are liable for tax penalties I may incur. I attempted to resolve matter with a XXXX XXXX, manager with Wells Fargo executive office, offered three options to resolve including reissuing check in amount of {$5100.00}, correcting IRS reporting to show no payment received, or offer a settlement amount including missing payment to cover damages for unauthorized accounts ... None of the options were chosen, matter remains unresolved.