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

I've checked my consumer report and it's been brung to my attention that I have been swindled by your company. I've put in a dispute for your company and the investigation results came back deleted on my XXXX XXXX XXXX account, however it's still reporting on my XXXX profile. The name that is reporting is not me, I have enclosed documentation to support my statement. I suspect that my identity may possibly be stolen and that a crime has been committed by your corporation. This company has been reporting false information to these reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USE SOMEONE TOOK MY PERSONAL INFO AND OPEN UP FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Bank account or service

My primary bank is FirstMerit. My branch is located in XXXX, Michigan. FirstMerit recently added an online service with which one can transfer money into one 's account from another bank without a fee. Here is the problem. FirstMerit is making egregious use, in my opinion, of the float. This week I initiated a transfer from my account at XXXX Bank in XXXX, Mississippi. I initiated the transfer, through my FirstMerit website account, on XXXX XXXX. The money was debited from XXXX on XXXX XXXX. But, FirstMerit wo n't make it available to me until XXXX XXXX. In other words, they are getting the benefit of a four day float. I do most of my financial stuff on line, and I know that FirstMerit had my money on the XXXX ( everyone else, banks, credit cards, creditors, etc. manages to do same day transactions ). so, my complaint is that FirstMerit Bank is harming me by hanging on to my money for four days without justification. I can of course provide bank statements and documents to support these assertions. And, I have now observed this pattern repeatedly, as i have been making transfers for several months now and every one follows the same pattern.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX my debit card was illegally cloned as used for a number of fraudulent transactions totaling in excess of {$800.00}. JP Morgan Chase 's fraud detection and online banking updated failed to catch the fraud. When I finally phoned in to cancel the debit card and flag the transactions, I was told that I would not be refunded the full amount illegally stolen from my account, due to a 60 day fraud threshold the bank has in refunding stolen monies. I want to be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago and to no prevail we have sent FTC report and affidavit as well as police report to XXXX XXXXXXXX, the bureaus, XXXX, and XXXX the credit reporting agencies to ask for this incorrect information to be removed and blocked which appears to be a closed account. The account was removed but the creditors continues to re report it to the credit reporting agencies monthly. The account was taken over fraudulently during the ownership of the account and was not able to be recovered by the consumer.
Product: Debt collection

I sent an email on XX/XX/year> to Credit Control ( third-party debt collection for XXXX XXXX  XXXX XXXX XXXX XXXX  from my email for a debt validation. I received an automated response to say to allow 30 days. l, which is fine because I asked for 30 days to receive this information. 

I have not received any response as I have requested. They have my email and address on file and they have not sent me anything regarding the debt validation so I can review my records. I believe they violate the Fair Debt Collection Practices Act. 

In addition, I believe someone has tried to contact a relative and not me, which is against the rules because the email states after I submitted a validation letter, Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well known how idiotic and clumsy XXXX  is!!! Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!! I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!! ALL this negative garbage already in my credit reports. This is tortuous XXXX  trying to scam my credit report with duplicated garbage!!! PLUS, XXXX  criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new XXXX  account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct XXXX  have malignantly created a new phony collections ( same ) debt already reported 3 years ago. These vile derelicts at XXXX XXXX have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus
Product: Credit reporting or other personal consumer reports

Address needs to be updated and old addresses need to be removed. have called and tried to verify my identity multiple times and no response.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Student loan

I had XXXX private loans with Discover Student Loans that were charged off several years ago. XX/XX/2016 I came to a settlement agreement with Discover and paid off these loans on XX/XX/2016. Discover has continued to report them as past due even though no further money is owed to Discover. I first disputed directly with the Credit Reporting Agencies, and Discover verified the incorrect information. Then I sent a letter directly to Discover explaining the issue and received only a form letter in response saying the reported information is correct. On XXXX, as of a report from XX/XX/2016 ( almost 4 months after settlement ) they were still reporting {$460.00} past due as of XX/XX/XXXX on XXXX loan, {$490.00} past due XX/XX/2016 and {$590.00} past due XX/XX/2016 on a second loan, and {$760.00} past due as of XX/XX/XXXX on a XXXX loan. That is XXXX incorrect reportings on XXXX. On XXXX, they listed all three loans as past due in both XX/XX/XXXX and XX/XX/2016 ( XXXX incorrect updates ). On XXXX they also listed each loan past due in both XX/XX/XXXX and XX/XX/XXXX for XXXX incorrect updates. That is XXXX incorrect updates by my count. I have followed the available procedures to get them to correct their reporting and they have failed to investigate.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have directly impacted my credit report. Specifically, I am disputing the following issues : Willful Noncompliance ( FCRA Section 616, 15 U.S.C. 1681n ) : Credit information about me was accepted without proper verification of its accuracy, which constitutes willful noncompliance and is punishable by civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ), 15 U.S.C. 1681a ) : You failed to inform me of my right to opt out of sharing my personal information, a deceptive violation of my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ) : Inaccurate inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles ( GAAP ) and causing harm. Debt Collection Violations ( 15 U.S.C. 1692g ) : Unfair practices and harassment oc
curred by reporting inaccurate debts and accounts without my consent, creating undue stress and unwarranted creditor contact.

Disclosure of Debt Information : Debt collectors shared my information with third-party credit reporting agencies, violating regulations that prohibit disclosing debt details to third parties.

Misrepresentation of Late Payments : Late payments were reported on my credit report without clear definitions or justifications, which is misleading and inaccurate.

Finance Charge Miscalculations : There was a failure to accurately determine finance charges, a responsibility under FCRA and associated regulations.

Permissible Purpose Violations ( FCRA Section 604, 15 U.S.C. 1681b ) : Information was included in my credit report without my written consent, violating the permissible purposes outlined under the FCRA. 

I am demanding immediate resolution of the following specific issues : XXXX XXXX XXXX ) ** : Provide the method of validation for reporting the account as late during COVID-related deferment. Update the status to " Pays Account As Agreed. '' XXXX XXXX XXXX ) ** : Delete this entry due to noncompliance with debt validation requirements under XXXX XXXX XXXX XXXX. 
XXXX XXXX ( XXXX ) ** : Remove this account based on a violation of debt validation rules under 15 U.S.C. 1692g. 
XXXX XXXX XXXX ( XXXX ) ** : Delete this account for failure to comply with 15 U.S.C . 1692g debt validation standards. 
XXXX ( Reported XX/XX/year> ) : Delete this entry due to violations under 15 U.S.C. 1692g. 
In addition, I am requesting the removal of all unauthorized and inaccurate accounts from my credit report. These actions must be taken promptly. Failure to comply will leave me with no choice but to pursue the full extent of legal remedies available under the Fair Credit Reporting Act. 

I trust that you will handle this matter with the urgency and diligence it requires. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 has verified this. 

Depending solely on your flawed e-Oscar 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 XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, 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 creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CC CFPB CERTIFIED MAIL RETURN RECEIPT # XXXX XX/XX/2022 ACCOUNT NUMBERXXXX BALANCE REPORTING INCORRECTLY PLEASE DELETE Dear XXXX XXXX XXXX  XXXX : 2ND DIRECT REQUEST AND 3RD BUREAU REQUEST ***PLEASE NOTE THAT MY CORRECT ADDRESS IS LISTED AT THE HEAD OF FOOT OF THIS LETTER. *** This letter is to inform you that I am disputing your company 's references on my credit report because of lack of completeness, accuracy, and proof of verification. I recently disputed this account with the credit bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete through investigation leaving you and them both in non-compliance. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : PLEASE VALIDATE THIS ACCOUNT ENTIRELY FOR COMPLETENESS AND ACCURACY. I WOULD ALSO LIKE ALL INFORMATION YOU HAVE ON FILE FOR THIS ACCOUNT TO ENSURE THAT IT BELONGS TO ME. THINGS SUCH AS A CONTRACT, FULL ACCOUNTING HISTORY, SOMETHING THAT PROVES THIS ACCOUNT BELONGS TO ME AND I AGREED TO PAY THIS ACCOUNT. ALL DATES OF ACTIVITY, SUCH AS DATE OPENED, DATE CLOSED, DUE DATES, AND DATES PAYMENTS WHERE ACTUALLY RECEIVED. DOCUMENTS THAT SHOW WHAT WAS PURCHASED, THROUGH WHO AND WHEN. 

PLEASE PROVIDE ME WITH PROOF WHEN THIS ACCOUNT WAS OPENED, WHEN THE LAST PAYMENT WAS RECEIVED ON THIS ACCOUNT. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account, a description of the records reviewed, and a copy of all of the documentation, statements and information in your possession that you used to conduct your investigation so that I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. If this address is different from the one you have on file, please update your records to my one and only current address listed above. 

Thank you for your prompt attention to this matter. 

THIS IS MY SECOND REQUEST. IF THIS REQUEST GOES UNANSWERED I AM PREPARED TO SEND ALL CORRESPONDENCES TO THE FEDERAL TRADE COMMISSION AND SEEK LEGAL ASSISTANCE. 

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

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP 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

XXXX XXXX is harassing my husband giving out my personal information which is not legal. I want it stopped immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans Carmax paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full XXXX  's XXXX  XXXX XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed
Product: Credit reporting

I filed a bankruptcy request in XX/XX/2009. I decided to withdraw the bankruptcy and paid all creditors in full. The records show the bankruptcy request was dismissed XX/XX/2009, which was immediately after filing. 
Both XXXX and XXXX deleted this derogatory info upon request. 
Equifax treats it like a regular bankruptcy and will not delete it. This greatly affects my credit capabilities. I have a stellar payment and credit rating otherwise. 
I have had a statement attached to this negative report, and the person who input it misspelled several words which make me look even worse. 
There is no purpose served by not removing this filing. It was filed prematurely and immediately withdrawn without any adjudication. I need this entry deleted as the other bureaus have done. 
I am a XXXX veteran and I need my clean credit rating. 
This is the only negative on any of the credit bureaus. 
Please help me! 
Thank you.
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 rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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

This is regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX property out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.
Product: Credit reporting or other personal consumer reports

XXXX is running my credit report for some unknown reasons
Product: Credit card or prepaid card

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with Experian and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!
Product: Credit reporting

TransUnion has been notified numerous times that they are allowing the listing of XXXX trade lines that are past the legal 7 year reporting time as allowed under the Fair Credit Reporting Act. They are : XXXX, account number XXXX AND XXXX, account number XXXX. TransUnion continues to ignore my disputes. These accounts have been removed by XXXX and XXXX but remain on TransUnion. 
Please stop TransUnion from continuing their illegal & abusive behavior against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXXXXXX XXXX XXXX XXXX XXXX XXXX