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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account Number:XXXX Please remove it from my public record XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX - Account Number:XXXX  Please supply information on how you have verified this item. 

XXXX, XXXX - Account NumberXXXX Please remove it from my public record XXXX XXXX - Account Number:XXXX  Please investigate and delete it from my credit report. 

XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Debt Bondage and would like for all listed account to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a formal cease and desist letter for my JPMCB account. The errors on my credit report regarding an account that has been inaccurately reported and very damaging. The account in question has been charged off for more than 7 months for this year alone, which isn't accurate reporting. 

As per the Fair Credit Reporting Act, it is imperative that all information reported on my credit report is accurate and up to date. The continued incorrect reporting of this account is a violation of this law and is causing harm to my financial reputation. This account was deleted months ago but, was reinserted on my credit report which is another violation. 

I hereby request that you immediately cease and desist reporting this inaccurate information to all major credit reporting bureaus and discontinue communication with me. As outlined in Daugherty V. convergent Outsourcing inc, 836 F.3d 507 ( 5th Cir. 2016 ), a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I honestly dont know whats going on, but I saw this morning that there are incorrect accounts listed on my credit report, and Im completely confused. I checked it like I normally do, but out of nowhere, there were discrepancies. I thought maybe refreshing my browser would help, but nothose incorrect accounts are still there, and I cant figure out why. Im desperately asking that the documents Ive submitted be reviewed carefully so I can stop worrying about this once and for all.
Product: Credit card

Ive been mislead into thinking Id make a simple task without the knowledge of being scammed. My bank at the time ( Navy Federal Credit Union ) called me to ask if I wanted a transaction of $ XXXX to go through. Since this is what the person told me to do I said yes. With that being said my bank let it go through. The person doing the transactions had other plans as they emptied the whole credit card of $ XXXX. Those other transactions I never gave consent to! Being freshly XXXX I had no idea I was being scammed, until my mother told me. Ive made several complaints to the bank via calls. Ive done an appeal for my account back, since they closed it soon after, which they approved, but they then closed the credit card to where I could only pay & not use. Ive made several payments towards this bill when I had a better paying job, but after no longer working there I could only stop paying all together. After that situation I was never able to pay it off and its going on 2 years now. There has also been several miscellaneous accounts being opened in my name, which I havent made. Everytime I do a complaint they go on deaf ears, I just honestly want somebody whos been a XXXX XXXX before to understand my point of view. Im not looking for sympathy but Im human & I dont feel like I should be getting all of this backlash. Id just like some type of leeway, some help from anyone. Thank you, for whatever you can do for me!!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the XXXX investigation ; and ( ii ) promptly notify the Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file 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. Please remove the following item ( XXXX ) from my report, immediately : Account : # XXXX XXXX XXXX of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( XXXX ) from my report, immediately : Account : # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 1681XXXX 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 XXXXXXXX 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 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 or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account Number : XXXX High Balance : {$XXXX} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} Credit Limit XXXX {$XXXX} Two-Year Payment History : Late payments reported as XXXX days late in XXXX, XXXX  days in XXXX, and XXXX  days in XX/XX/XXXX. These reports are inconsistent with my payment records, which indicate timely payments during these months. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by 15 U.S. Code 1681e ( b ).

Non-compliance with the investigative procedures outlined in 15 U.S. Code 1681i, requiring reinvestigation of disputed information within 30 days.

Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits furnishing inaccurate or incomplete information to credit reporting agencies.

TILA Violations : Inconsistent and late reporting violates 15 U.S. Code 1666b, requiring timely disclosure of billing statements.

Failure to provide accurate payment information in compliance with 15 U.S. Code 1637 ( b ).

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction.

Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.
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 I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX business days. The information listed below is the result of identity theft and must be blocked : XXXX. XXXX o Account XXXX : XXXX
Product: Student loan

On XX/XX/2023, I called them to ask why my payments had gone up {$110.00} after applying for the SAVE program. They were unable to explain why so they put me on a forbearance until it could be resolved. I continued to try calling after I was not receiving answers and even sent a message through the portal to ask what was happening on XX/XX/2023. Still, I received no response. On XX/XX/2023, I received an email that my payments would resume and there was no change to how much they were. I received no information on how this decision came to be and have been unable to reach their customer service as they have wait times that are hours long. This is absolutely atrocious and after dealing with this, it does not feel fair to have to try and figure this out or pay a monthly payment that I am positive is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for almost 10 years. I was released XX/XX/XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, Fifth Third Bank, XXXX XXXX   and a bad check to XXXX.
Product: Debt collection

XXXX turned into XXXX dollars and then down to this amount an then that amount, a class action against XXXX XXXX was completed 4 years ago. It was discharged.
Product: Student loan

One of my student loans was transferred to Navient. Today after reviewing over my payments I noticed that Navient had my minimum payment listed as {$85.00} which I remember specifically that when the loan was serviced by XXXX {$85.00} wasnt my minimum payment but XXXX allowed me to set the specific amount that I wanted to apply to my loan so I selected {$85.00} so I could apply extra to the principal. Well today I noticed Navient had {$85.00} listed as my minimum payment. I contacted Navient to confirm why my minimum payment was showing for {$85.00} when it should have been like {$55.00} or XXXX. Navient advised that {$85.00} was the minimum payment. So I was very alarmed and didnt understand how I would be able to prove this when I could no longer log into the XXXX account since the loan was transferred. Luckily I found one of my old credit reports and it showed that my minimum payment for My XXXX student loan was between $ 49- {$55.00}. Its very alarming that I would be mislead this way. In addition I have over {$40000.00} of student loans with Navient and now I feel like I need to go back through all of my other accounts to audit them to make sure there isnt more misrepresentation going on. I have called my lender last year to discuss various payment options because I just had my first child and I was unemployed half last year and they were not helpful with decreasing my payments. They only offered deferment which I had to pay {$250.00} to proceed with the deferment only for them to add on {$1000.00} of interest on top of that or a reducing my payment by {$100.00} and thats when I didnt have any income and now they are providing inaccurate information about my minimum payment which also has me to believe that they are falsifying the amount applied to my principal vs interest. How am I supposed to know they arent doing the same thing with my other loans that I hold with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I XXXX XXXX have been dealing with an issue with Experian over the past XXXX months in which they have claimed to have received my FTC Report in XXXX meanwhile it is XXXX. They are including XXXX XXXX XXXX XXXX XXXX XXXX that is attached to several delinquencies on my credit report in which these accounts do not belong to me or pertain to me in which also the po box doesn't and it isn't registered in my name. I live in XXXX and the po box is located in XXXX XXXX and I have called Experian countless times and spoke with multiple representatives. Recently, I spoke with XXXX in the specialized disputes department with Experian and he stated over the phone that this would be taken care of and that the po box would be deleted as this is not a residence. However, the po box still remains on my report which is a violation of multiple 15 USC Laws and FCRA violations. A company by-law can not hold a address against me that I do not own and currently don't reside. Not only this but they are soliciting wrongful and incorrect information pertaining to XXXX XXXX and XXXX for accounts that I never had.
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ), a company must notify a consumer before reporting negative information about them to a credit bureau, meaning they need to inform the consumer that their credit history might be impacted before sending the information to a credit reporting agency ; this is usually done through a pre-notification or a notice included with a billing statement. I did not receive anything from XXXX XXXX XXXX stating that they would be reporting to the credit bureau. 

The FCRA mandates this practice, ensuring consumers have a chance to dispute inaccurate information before it appears on their credit report. 

The notice should be provided BEFORE the company reports the negative information to the credit bureau! 

XXXX XXXX XXXX did not reach out to me prior to reporting the unverified information to the credit bureaus. 

This company is illegally posting to my credit report without providing me the requested accurate and complete documentation of the debt they are claiming that I owe them. 

XXXX times I have requested from XXXX XXXX XXXX : ( XXXX ) to provide legal proof that they are licensed to collect such debt in my state, ( XXXX ) proof of ownership of the account as well as ( XXXX ) billing statements and breakdowns of fees including how they calculated what they claim I owe as well as the legal statement that allows the company to add interest and fees to their original collection amount. ( XXXX ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt to your company. ( XXXX ) Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

Any reporting of incomplete, inaccurate, unverifiable information is illegal and I will proceed to seek legal damages that this company has caused. I have calculated XXXX violations that I will seek damages for if this is not resolved. 

This account is defamation of my character and has cost me unnecessary fees and deposits that l wouldn't have due, if this company were not negligent and posting false information to my credit reports. This account must be removed until legal documentation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the 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. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Product: Debt collection

In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX doctors in the amount of {$80.00} and it 's reporting on my Equifax credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law
Product: Credit reporting, credit repair services, or other personal consumer reports

Di-Tech is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.