23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

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
Product: Debt collection

6 months lease was completed as agree. Complex charged an extra month & stated a 30 day written consent was needed before moving. 

Rent : {$570.00} Collection amount : {$770.00} Last month of rent was paid as agreed. 
Account was removed from report multiple of times. 

NO LAW DESCRIBES WHATS A COLLECTION IS.. 

XXXX XXXX was sold to a 3rd party 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction XXXX XXXX violated my right to privacy by selling & giving my information to a 3rd part without my written consent. 

I never gave M.A.R.S INC written consent to furnish anything on my Consumer Report Acct : XXXX ( doesnt display full account number ) 3. 18 usc 8 : Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

If such alleged debt do exist then by law it is obligation of United States not me.
Product: Credit reporting

Equifax has failed to investigate multiple queries coming from XXXX back. 
those queries comes from the follow dates:XXXX/XXXX/2015XXXX/XXXX/2015those queries has been already investigated and all I get its a generated statement rather than a explanation of the nature of the queries.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When making attempting to complete the final {$34.00} of my monthly minimum payment for my Bank of America credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with XXXX late payments, and for my account to be closed immediately after XXXX late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX which Bank of America did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting or other personal consumer reports

I have been repeatedly disputing inaccurate information with Experian that is legally required to be removed from my consumer file. Despite my persistent efforts, including providing supporting documents, letters, forms, and even self-attestation as allowed under the FCRA 605 ( c ), Experian continues to verify this information as valid, even when it is past the statute of limitations for reporting. It is incredibly frustrating to deal with a consumer reporting agency that fails to honor my rights as outlined by the Fair Credit Reporting Act. I have every right to dispute inaccuracies and expect that Experian remove or correct the information when notified. However, Experian seems more intent on protecting the interests of the creditors rather than ensuring my consumer file is accurately reported. Their actions suggest a bias towards the creditors, rather than maintaining neutrality in the dispute process. 
I am tired of receiving nothing but generic, computer generated responses to my concerns. These responses fail to address the specific issues raised, and the process feels intentionally opaque. Despite providing clear, consistent evidence of the inaccuracies in my report and multiple attempts to communicate with them, my disputes are not being handled properly. 
Even the CFPB, which I have turned to for assistance, has not been helpful in resolving this ongoing issue. This lack of resolution continues to harm my credit file and undermines my rights as a consumer. It is unacceptable that Experian is permitted to verify outdated and incorrect information, and it is even more frustrating that there seems to be no adequate recourse to resolve these issues in a timely and fair manner.
Product: Credit reporting or other personal consumer reports

My account with MACYS/CBNA was never late! I have had exceptional payment history with MACYS/CBNA and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


MACYS/CBNA Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2021 I contacted Experian at XXXX to get my credit freeze lifted, so that I could refinance my home mortgage. The options were limited and I inadvertently froze my credit. I was given a confirmation number ( XXXX ) and informed that my 'pin ' would be texted to me. I have not received a 'pin ', which I need to unfreeze the account. My complaint is that I have not received the pin, and Experian does not give consumers access to a 'live " person to resolve issues.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated in prior disputes. However this is not tru because the open date is inaccurate, the date of last active is inaccurate and date of last reporting is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 A States I have the right to privacy 15 U.S.C 1682 Section 604 A Section 2 : It also states A consumer reporting agency can not furnishs a account without my written instructions. 
Also this credit bureau took more than 30 days to complete my investigation and respond to the previous CFPB complaints. 

I have sent several documents that prove my identity, experian is stalling the investigation and refuses to validate and verify the disputed information. This is my final attempt for you to remove the inaccurate items before i contact a consumer law attorney and press charges and sue for punitive damages in federal court of at least {$1000.00} for every violation for inaccurate reporting. I have all certified mail receipts and will sue to the fullest extent if these items are not removed immediately. SEE ATTACHTMENT AS MY FINAL ATTEMPT BEFORE INITIATING A LAWSUIT FOR DAMAGES
Product: Credit card

A fair resolution to this issue would be : Full Refund of the Disputed Amounts : Refund the total amount of {$1300.00}, covering the following transactions made for legal services that were not provided as promised : XX/XX/year> : {$50.00} XX/XX/year> : {$280.00} XX/XX/year> : {$1000.00} Detailed Explanation of Denial : Provide a comprehensive explanation for why my dispute was denied, including the evidence or criteria that Capital One used to make its decision. 

Reinvestigation of the Dispute : Reopen my dispute and conduct a thorough investigation, reviewing the documentation I provided that clearly shows the lawyer failed to deliver the agreed-upon services. 

This resolution would not only rectify the financial loss I suffered but also ensure Capital One upholds its obligations under the Fair Credit Billing Act ( FCBA ) to protect customers in cases involving services that were not received.
Product: Debt collection

Company has place a duplicate account on my credit report. They said it was a update, however, it is listed as a separate account on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been a victim of identity theft i file a dispute last Months with all three major credit Bureau only one fix that problem XXXX, XXXX and experian refused to corrected even i sent them the police report and the FTC report all been ignore by both company none of them trying to work with me to get this matter resolved thats why i send that message today so i can get a resolution from CFPB. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a TCF bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified TCF and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( XXXX XXXX XXXX IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted XXXX and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on XXXX was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. XXXX does not want to remove the false info.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practice related to their 360 " high yield interest '' savings account. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rate, yet failed to notify account holders about the superior rate afford by 360 performance saving account. This deliberate obscurity and lack of transparency violated consumers trust. And resulted in significant financial losses for many breaching the consumers financial protection act and the truth in savings act. I seek redress for the misleading practice and failures to fulfill their advertised promise
Product: Credit reporting

After Chapter XXXX bankruptcy discharged, TransUnion continues to report multiple judgments on my credit file. XXXX agency deleted these judgments but TransUnion and XXXX continue to report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. 
The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns. 
I urgently request the removal of false accounts from my credit report to prevent future financial harm. My credit report is my lifeline, and I insist on factual accuracy, verification, and compliance. I did not receive a response from last letters i sent!! 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY : 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

Called multiple times after submitting disputes for the same items involving identity theft. Uploaded multiple copies of FTC report obtained from from the Idtheft.gov website. Was told each time Experian was unable to validate the report. I explained that the report was downloaded from the correct website and then uploaded directly to Experian. Each time I was told to start the process all over again, do exactly what I had done before, hoping each time they were able to finally validate my dispute. I finally asked for a supervisor. She told me they had checked the report with the FTC and they said it wasnt a valid report! How could this be?! One of the reports was filed over the phone with them directly. I asked the supervisor if there was some way to figure out how to rectify the problem. She tells me to call the FTC, file another report, and do the exact same thing again. At this point I realize it would be best for me to contact the FTC and see if they can help me. I asked the supervisor for her name and employee number or some way to identify her. She tells me she put it in the internal notes of my file. I then explain that I would like the information for myself so that when I call and explain the situation to the FTC, I can tell them who I spoke with. The supervisor then advised me that if that was the case, she would no longer speak with me and hung up. Im still at a loss for words on just how bad the customer service was even from management.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE OPENED THIS ACCOUNT FRAUDULENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. I filed a FTC Complaint as well. It appears that Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved.
Product: Checking or savings account

On or about XX/XX/2019 I received a letter stating Wells Fargo will close my account ( s ). They are closing my account ( s )  because my business deals in Bitcoin and cryptocurrency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been more than two decades and credits score not improving, most of the collection that ruin my reputation are all accusing me but in fact the fault falls under the company that issue the credits to me, for example, XXXX was selling products without a details information on the cost for the items ( 3 ) cellular, and billing was way above the cost of one cell phone ; another example is XXXX XXXX XXXX - charge me for leasing a cellular phone for almost 2K and this phone value was one {$300.00} or less, doesn't make sense how these people are putting people who are trying to find better life and other people are ruing their reputation due to " corruption '' in private businesses ... thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Today I saw that old account information was posted to my credit file with TransUnion today which was all incorrect which dropped my credit score by XXXX points. I have already discussed this with TransUnion before and will not do this again. They need to immediately fix this error of recurring inaccurate information. 

My next step to fix this recurring problem of reporting inaccurate information by TransUnion is to obtain legal counsel by hiring a Consumer Attorney. Thank you.