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

In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX  Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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. I have notified XXXX, XXXX, & Equifax of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.
Product: Debt collection

On XX/XX/XXXX I called portfolio recovery in an effort to clear this debt from reports. I talked to a representative and a manager about this debt. At this time both reps stated they had no information on their computer system regarding this account, my name, or my ssn. I asked what type of account this was, when it was opened, and original amount delinquent. No one at this company could provide the information. They stated again they had no record of this account. At this time I stated that if you have no record of this account then you also need to take off all my credit reports. They stated sometimes it does not get on computer system right away. I asked how many months does it take, because it has been on there for at least a few months if not more. There was no logical answer. I asked for manager to look for info and call me direct at my cell number, and as of XX/XX/XXXX no call.
Product: Debt collection

After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all  three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. 

I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.
Product: Credit reporting or other personal consumer reports

XXXX OF XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never XXXX ) according to consumer protection laws.
Product: Vehicle loan or lease

All debt is obligation of the United States in accordance with 18 U.S.C 8 and being that Ally Financial Inc is attempting to collect a debt from I, the consumer makes them guilty and in violation of False Claims Act ( FCA ) 31 U.S.C 3729-3733.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX I checked my credit report and noticed a collection account by Account Resolution Services ( ARS ) from the original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Account Resolution Services ( ARS ), the collection agency that posted this collection to my XXXX credit report had ARS PRETENDED TO NOT SHOW A BALANCE ON MY CREDIT REPORT, AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party ( ARS ), whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. 

Account Resolution Services ( ARS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection. 

Look for the account under XXXX XXXX
Product: Mortgage

Theyre claiming that I did not make my payment XX/XX/year>, when in fact, I pay my mortgage early all year long. What commonly happens is they often take an early payment and apply it to the principal, then claim that you never made the payment for month that it was meant for, then charge you late fees. This is called predatory lending in an effort to foreclose on desirable real estate and good markets. I know this because I wrote the software for the XXXX that solve the financial crisis. Many of these loan services are not banks. They are simply companies that service loans and a predatory manner
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXFederal Trade Commission** Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXXSubject : ** Formal Complaint Regarding Experians Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) Dear CFPB Team and FTC, I am submitting a formal complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, in handling two disputed accounts on my credit report. Despite providing sufficient documentation, including my contract with XXXX XXXX and the negotiated settlement details, XXXX has failed to accurately report or remove these accounts. XXXX and XXXX have resolved the matter appropriately, but XXXX has not. 

The details of the accounts and relevant issues are as follows : XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX ( Account XXXX. ending in XXXX ) ** - This account was negotiated and settled through XXXX XXXX. Documentation of the settlement, the payment made in full, and the XXXX XXXX contract was provided to XXXX. 
- Despite this, the account continues to appear as a negative charge-off rather than reflecting its accurate status as paid in full. 
- Experians refusal to update this information violates FCRA guidelines and misrepresents my financial responsibility. 

2. **Synchrony BankXXXX XXXX XXXX Account XXXX. ending in XXXX ) ** - This account is currently in negotiation with XXXX XXXX and Synchrony Bank. Documentation of the ongoing negotiation and the XXXX XXXX contract was also submitted to XXXX. 
- Per my request under FCRA Rule 605 ( a ) and ( b ), this item should be removed until a resolution is reached. Yet, XXXX continues to reflect it as negative, further damaging my credit profile. 

**Experians Handling of the Disputes** XXXX has responded to my disputes with a generic explanation, stating that they rely on the furnishers information. However, it is their obligation under the FCRA to independently verify and correct inaccuracies. Their persistent refusal to amend these accounts is both unlawful and inequitable, especially since XXXX and XXXX have resolved the same disputes in my favor. 

**Violation of FCRA Provisions** Under 15 U.S.C. 1681c ( a ), consumer reporting agencies must report accurate information and are prohibited from including obsolete or incorrect data. The continued inaccurate reporting of these accounts constitutes a breach of federal law. 



I have already submitted supporting documentation, including : - Proof of settlement for the XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
- Correspondence with XXXX XXXX and the involved creditors regarding the disputes. 
- My contract with XXXX XXXX for both accounts, detailing the settlement and negotiation agreements. 

I request that both the CFPB and the FTC take immediate action to address these violations. Additionally, I will continue to monitor the resolution process and pursue further legal remedies if necessary. 

Thank you for your attention to this matter. I trust in your ability to protect consumer rights and enforce fair credit reporting practices.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report
Product: Debt collection

Hello, this is a follow-up for a request to provide more information for COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics. 

I have provided correspondence with XXXX homes from XXXX. When I log into the portal link, it states I don't have a complaint. Please see complaint # from XX/XX/XXXX. Thx.
Product: Credit card or prepaid card

Ordered Gift Cards from XXXX XXXX XXXX XXXX. One of the cards failed to activate and I spent 2 hours with Incomm customer service and got nowhere. Infact, everytime I call the Incomm number on the back of the XXXX XXXX- it takes their level 1 customer service at least 45 minutes to answer the phone. I suspect that Incomm makes it difficult to access gift card funds people buy to increase their breakage rate and ultimately profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 2022 2022
Product: Bank account or service

I opened a Rewards Money Market Savings Account with Bank of America. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Bank of America Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Bank of America website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Bank of America, I was informed by a customer service representative that the " linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only " linked '' the accounts for overdraft protection, and despite the information on my account webpage stating that the accounts were linked, they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were " linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Bank of America. While it cost me a relatively small amount, there could be much greater effects for others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS UNDER INVESTIGATION. REGIONAL SENT LETTER STATING THEY COULD NOT FIND AN ACCOUNT, ONLY AN INQUIRY THAT IS NO LONGER REPORTING. HOWEVER THE ACCOUNT IS LISTED ON MY CREDIT REPORT.
Product: Mortgage

I currently have a {$250000.00} XXXX loan from USAA. It was initiated in XXXX and set to terminate in XXXX. I have had various loan. consumer accounts, and insurance policies with USAA since XXXX when I was XXXX after XXXX as a XXXX XXXX XXXX 
USAA under the direction of XXXX XXXX XXXX was an honorable and trustworthy company and a pleasure to do business with. 
I recently attempted to withdraw funds from my XXXX loan and discovered there was a clause in my loan agreement that disallowed me to withdraw funds after the first XXXX  years of this XXXX year loan. This was never explained or disclosed to me even though the loan was for a XXXX year duration. 
I contacted USAA ( XX/XX/XXXX ) who informed me of this clause and was told by USAA XXXX XXXX XXXX employee # XXXX ) and later by employee XXXX ( # XXXX ) that they attempted to contact me both by mail and email before the XXXX year restriction began. I told them I never received such communications or I would have utilized the funds before their deadline. 
Both employees said they would resend these notices both via mail and email which I have not received. They also said USAA no longer offers new XXXX 's and they have no way in their computers to extend my withdrawal period to help with my home improvements. I find this hard to believe in this age of technology. Employee XXXX XXXX XXXX ) said he was the head of the XXXX division even though USAA claims they no longer accept XXXX 's. 
I feel I was a victim of deception and non disclosure by USAA who do not want to honor their loan commitments because the interest rate for my loan was 4.25 % which is currently not profitable enough for USAA.
Product: Debt collection

The debt through XXXX is paid and has never been sold.The payments were not going to that company. The XXXX payment went to Rosen Management and the second payment went XXXX XXXX which cell phone accessories. They continue to call and harass me for more money. I have disputes in about the XXXX payments with XXXX.
Product: Checking or savings account

Hello. On XX/XX/XXXX I called TD bank due to unwanted chargers posted to my account. It caused for a over draft and additional fees. The account is still going in a decline. I have no other money and need to pay bills. Unfortunately all of the overdraft fees can not be waived due to me getting some waived in past. This is very unfair and I hope TD can resolve this issue with a credit first swiftly then helping get other charges off. There has been so many scams now and days and unfortunately I am just another victim. Please help
Product: Debt collection

A few did most keep sending bills. Regardless it by law should not be included in account and owed on your reports! And says will be until 2030. A bankruptcy case on report yes but past records are deleted therefore you have no right to share them
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of FCRA Equifax lowered my score for no reason which is harming me and is stopping me from progressing in life Idemand to receive compensation. {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute letter to both Transunion and XXXX. As of this date. XX/XX/2022 I have yet to receive a response. I have attempted to call both of these agencies but was told that the results of my request were mailed. Still nothing.