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

I am filing a complaint here today in order to investigate some accounts in my credit report which I believe to be erroneous. These accounts must be validated immediately to prevent more harm to my credit file Here are the aforementioned accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} I already sent the necessary documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please verify and investigate the accounts above
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I have requested online from all three credit reporting agencies ( XXXX, XXXX, and Experian ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent a certified letters to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my update credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from XXXX, who stated the information was updated but doesn't know why its not on the credit report. The rep asked me to wait another 30 days for an update. Experian and XXXX, stated they could not update via phone. I am looking for resolution for CFPB as they can potentially harm me from receiving government and personal documents.
Product: Debt collection

CMRE showed up as 3 inaccurate collections on my credit report for the amount of {$2000.00}, {$260.00} and {$150.00} all from the same original creditor ( XXXX XXXX ) and same alleged hospital visit. I initially disputed collections online via XXXX. Results listed below and attached. 

Online dispute submitted for {$2000.00} on : XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

Online dispute submitted for {$150.00} on : XXXX found to be inaccurate and deleted. 



Considering that the collection of {$150.00} was found inaccurate and removed, the remaining 2 collections for {$2000.00} and {$260.00} should have been removed as well but were not.

I have mailed numerous letters via USPS requesting validation of debt via adequate proof that it was me and not someone using my name or misfiled. As of XX/XX/XXXX, I began mailing them as certified mail in efforts to have these inaccurate collections removed. Another request sent in XX/XX/XXXX as well as XX/XX/XXXX. The responses received were irrelevant info such as a letter stating " account balance is accurate '' and other things failing to meet my request of the following : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verification or copy of any judgment if applicable -Identify the original creditor -Prove the Statute of Limitations has not expired on this account -Show me the you are licensed to collect in my state -Provide me with your license numbers and Registered Agent or Agent of Service Receipt of certified mail is attached. 

Last 3 letters sent via certified mail : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I pay the outstanding balance of my Comenity credit card each month. I mailed a check for the total balance due on XX/XX/2023. I used my card and it was rejected. I called the Company and was told no payment was received and the card was placed on hold. 

I checked my account online and the XXXX payment had not been posted to the account. I spoke to the representative XXXX and explained my check was mailed XXXX. The date it was to be paid by was XXXX. Since I wanted to be able to use my card, the representative took my checking account information and paid the missing payment. I was told it would be a week before I could use the account again. In the meantime, I received the next month statement which had a {$25.00} late fee and {$40.00} of interest. 

Today I went online, and saw the payment I made on the phone on XXXX and also the payment I made on XXXX for the same amount .which was posted to the account on XXXX. Nineteen days after it was mailed. 

I called the Company today to try to resolve this. I want the late fee and the interest removed. I pay the bill the day received for the entire balance each month.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), emphasizing the necessity to ensure that consumer reporting agencies exercise their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy, '' I, as the Consumer, am asserting my right to safeguard my private information. This right is supported by XXXX5 USC 6801, which underscores the obligation of financial institutions to respect customer privacy and protect nonpublic personal information.

Transunion, is being the consumer reporting agency, must adhere to 15 USC 1681 section 604a section 2, which specifies that they can furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions, recognized as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all falls under this category. However, neither these financial institution nor the consumer reporting agency, Transunion possess my consent or written authorization to furnish this information. Revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, I assert my right to control the sharing of my information with Transunion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Referring to 15 USC 6802 ( b ) ( c ), it explicitly states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies failed to inform me of this right. 
Furthermore, in accordance with the Privacy Act of 1974, governing the collection, maintenance, use, and dissemination of personal information by federal agencies, and the Fair Credit Reporting Act, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The reporting of this adverse item without my permission is a violation of both acts.

In compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 
Additionally, as per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I do not believe I even owe this company any money. Some person on their behalf emailed me a threatening email claiming arrest warrants, contact my employer and garnish wages.
Product: Credit card or prepaid card

I have opened an account Business PRO with Lowes in XX/XX/2022. I was approved for {$8000.00} credit. Made reparations in my unit and during the 3 month and have ordered up to the max of my limit through out the whole renovation process from XX/XX/2022 XXXX XXXX Have returned 35 % of merchandise ( VIA PICK UP DELIVERY truck from LOWES ) that didn't feet my condo either in size like dishwasher and wall microwave and bathroom vanity and its granite top between the other expensive items. But my credit card was never credit back to me and Lowes was still charging me the whole amount like if i were never returned the items. As those delivery guys never returned the paper work to the store just just brought the merchandise the item i have returned but never put that information into the system crediting my account. I took all possible actions and i have exhausted all of them i went tot he store personally where to Pro desk just ignored me sending me to the credit card XXXX Synchrony Bank ) company where I furnished them with all my paper work of returned items, and submitting them all forms multiple times where i was ignored as well. Then i went to the store and spoke with manager of the store who gave his email and i sent him all proves of returns who also ignored me. I also wrote an email to Lowe 's consumer department they only have expressed me their condolences. I have done everything but nothing got resolved. My only option if you guys CFPB my only hope here and lastly the COURT. I'm sick and tired drugging this case for a year and no actions is taken with my case. Please i beg you help me to resolve this massive issue that put me in unnecessary debt for over {$3500.00} in losses that im still paying the minimum monthly with high interest of 24 % to Lowes for something I DONT HAVE. This is ridiculous. Never experienced that before and less i was expecting that from such a big corporation. I will provide you more details once you contact me back.
Product: Credit card

I missed a payment during XXXX 2015 and my account became delinquent. During this time, I was being treated for a medical condition that had me out of work and my covered by the Family Medical Leave Act for over XXXX months. During this time, I underwent multiple outpatient procedures and was heavily medicated. After my treatment concluded, I tried to get my affairs in order with all my credit card accounts. I contacted Macy 's to advise them of the matter and a young woman took the better part of an hour to help me with my account. She had to check with her chain of command and was able to waive the late payment fee and the interest charged to the account. I specifically asked if this would be reported because my biggest concern was the impact to my credit. She confirmed that removing the fee and interest would remove any delinquent status from my account and that I would not be impacted due to this change. 

I am now in the process of refinancing my house and see that Macy 's is reporting on my credit. I called to speak with their credit bureau team on XXXX/XXXX/15 and was told by both a rep and manager that no changes would be made. I informed them that I was previously advised that the reversal of the late fee and interest would not impact my account by the person who helped me. They both said that no one in the credit collections department would ever tell me that. I informed her that other credit card companies I spoke with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX all updated my accounts so that any delinquent status would not reflect due to my medical emergency and treatment. The manager stated that Macy 's Credit Card company policy is NOT to make changes to accounts with late payments because they do view a medical emergency and treatment as an excusable event for not making a payment to their account. I asked for the matter to be reviewed since I was specifically told the account would not reflect delinquent or affect my credit. I informed the manager that I would be filing a complain against Macy 's for providing false information. She did not offer to review the call or research the matter any further.
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 1681. 

Account name : XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account 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 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

The listed account continues to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against 3 Credit Bureaus if you do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( she uses multiple different last names ) of Texas used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both Experian and XXXX. I believe my record on XXXX is clean. 

On Experian, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Product: Debt collection

Trident Asset Management is reporting on my credit report a collection account in the amount of {$2000.00}. When I asked them what this was about they said it was a XXXX land line open in XXXX at an address I was not living at. I have lived at my current address since XXXX. I also have the same open active wireless account with XXXX for many many years. It has always been in good standing. This collection is not mine and I want it removed. I have explained this to them many times.
Product: Debt collection

Earlier in XXXX, my account with XXXX XXXX XXXX XXXX XXXX became overdue because the credit card on file had been lost. I was never notified. In any case the small amount due ( roughly {$200.00} ) has been paid to XXXX. 

I have contacted Caine & Weiner numerous times and they send me to voice mail. I explain on the XXXX mail that this account has been paid in full but nobody ever calls me back. 

Instead, Caine and Weber continually violate the FDCPA act by relentlessly sending me notifications to my email address and my private telephone. 

I want this to stop immediately. Caine and Weber can easily find out from XXXX that this account is paid in full. Instead, they continue to abuse and pester me. 

I also want to confirm that Caine and Weber has not submitted any erroneous, derogatory remarks on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute Certified Mail # XXXX to Experian wherein I disputed XXXX Account # XXXX date of last activity, DOFD, Payment History On XX/XX/XXXX Experian received my dispute as recorded on the return receipt. 
On XX/XX/XXXX Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. 
On XX/XX/XXXX, I proceeded to access my consumer report via Experians website and make copies of the information pertaining to XXXX Account # XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on XX/XX/XXXX indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 
It has been 70 days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of XX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of XX/XX/XXXX from my Experian file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. 
Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experians willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. 

I look forward to an amicable solution to this matter.
Product: Credit reporting

I pulled my credit recently and found these inquires and none of them are authorized by me. I sent letters to all XXXX credit bureaus asking them to be deleted and nothing has been done. 

1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Nationwide Credit & Collection , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This agency sent me notice of an amount owed to XXXX XXXX XXXX XXXX a place I have never been. XX/XX/2022 XXXX Balance due : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account 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 a account without my written instructions
Product: Credit card

my capital one card account charges my bank several times after a decline of the initial charge. This occurs several fees on each occasion and is drastically reducing my ability to pay my bills on time.
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 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 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 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.