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

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Late Payment : XX/XX/year> Nature of Complaint : On XXXX, I submitted a dispute to EXPERIAN disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EXPERIAN has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 and MXX/XX/2021 I made two XXXX transactions through my Bank of America app to pay for a vacation bill in XXXX XXXX XXXX XXXX. XX/XX/XXXX transaction was for {$660.00} and the XX/XX/XXXX transaction was for {$650.00}, so a total of {$1300.00} was transferred to pay for the vacation property. I booked with XXXX XXXX XXXX XXXX on XXXX and the property management reached out and insisted on being paid through XXXX. Upon arrival to XXXX XXXX on XX/XX/2021 the property management gave us an address completely different from what we originally booked. I explained to the management that we had no way of getting to that property there were no rental cars available that weekend and it was just way to far and very unprofessional of them to wait until the day we arrive to change locations. I asked for a refund and told them we would not be staying there. The management I spoke with gave me a different number to call and I received no answer, no call back, and I sent Bank of America text messages, and screen shots of the XXXX payments and explained to them that I was scammed into making these transfers for a property that doesnt exist. I filed a fraud claim with Bank of America on XX/XX/2021. On XX/XX/XXXX I received a letter from Bank of America saying that they were unable to approve my claim. I called and was told the account that the XXXX XXXX people had me send the money to had no available funds in it so they couldnt demand the money back and suggested I reach out to the company again but this company does not exist the website only has a XXXX phone number and hotels.com has taken them down off of their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on experian it shows balance is {$0.00} on XXXX  it shows {$4800.00} on XXXX is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on experian it shows XX/XX/2016 on XXXX it shows XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 6 o 2 states I have the right to privacy.

15 USC 1681 section 6 o 4 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

They say they allow third party check deposits but kept my daughters check and closed my checking account. They never gave my daughter her check back. It was a check advance for her taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

US POSTAL SERVICE CERTIFIED MAIL XXXX On XXXX I sent certified mail to this company, They have received the letter but fail to respond. 
RE : Violations I pull my credit report and notice you ( Portfolio Recovery Associates, LLC ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. 

Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( Portfolio Recovery Associates, LLC ) pull my consumer report. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.
Product: Credit reporting or other personal consumer reports

I was not properly notified of a debt by XXXX XXXX XXXX ( " XXXX '' ), which sent collection notices to an outdated address despite my updated address being available. XXXX continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount reported by XXXX differs from the final bill and ignores an unprocessed energy draft. The credit reporting agencies ( Equifax, XXXX, XXXX ) are reporting conflicting Dates of First Delinquency and amounts owed. I request the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2018 on this Portal Equifax stated they performed an investigation and verified inaccurate information on 2 XXXX XXXX  credit card accounts. Equifax FAILED TO PROVIDE THEIR METHOD Of VERIFICATION as requested in the attachment that Equifax signed via CERTIFIED MAIL on 3 XX/XX/2018. Equifax continues to verify without a METHOD. I sent the letter attached to obtain information to support my small claims lawsuit against Equifax. For my records I am maintaining all of the documents through this portal. Equifax please reply via mail as requested from the document signed by your company on XXXX XX/XX/2018 the persons and documents afforded from chase bank that you have used to continually update inaccurate unverified information on my CR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Debt collection

This company Harris & Harris is trying to collect a debt I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, yu have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AFFIRM INC . 
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
Product: Mortgage

making bi-monthly payments, XXXX  payment goes through fine, the XXXX  payment goes to principal, even though it shows the amount due for that month, which I paid in full, call them to change it back to payment, they credit it to payment than change it back to principal, have had to call every month since XX/XX/XXXX, and the problem still exist, the operator can see how many times I've called since XX/XX/XXXX, about this issue and tells me they are notifying the company 's head personal, but as of XX/XX/XXXX it shows that I haven't made the XXXX  part of the payment for XXXX even though I made it on XX/XX/XXXX and have confirmation number for that payment
Product: Debt collection

I received a statement from Midland dated XX/XX/2019 stating that they were trying to collect a debt. I immediately sent a corresponding letter request to validate this debt. Midland sent the same statement back as validation in XXXX and in XXXX of 2019. I sent second correspondence back advising that this was not a valid validation providing that there was no biding contract agreement with my signature proven that this debt was mines. I called midland in XXXX and XXXX and spoke with a representative name XXXX XXXX then stated on a recorded line that they couldn't provide anything but a statement because was all they had. He then tried to threaten me about going to court. I advised him that this would be fine because I would still ask for a letter of production to produce that this was my debt. He hung up on me. I am asking that this debt be removed from my credit report due to lack of evidence proven that this debt is mines and valid. Thank you
Product: Credit card or prepaid card

Discover Card. 

Ordered cell phone from XXXX that had an incorrect web description. XXXX C/S told me within 8 hours of placing the order to order the correct phone and refuse the original shipment as they refused to cancel 1st order ( with no cost to me ). Was to get credit for {$570.00} within 4 days. Phone was refused and returned per XXXX 10 days ago. No credit. Second order for correct phone was received and billed to card as XXXX suggested. 
Opened dispute with Discover Card. Discover is refusing to issue temporary credit and blames the CFPB ( after I threatened to file a claim ) ... stating that CFPB regulation is why the inquiry was put on hold. Further, Discover communicated NOTHING about the dispute. Nothing on my account web page, no response to secure emails and customer service has no answers ( even after speaking to a supervisor in Delaware office ). I have everything in writing from XXXX and shared with Discover during the dispute process.

Discover refuses to issue temporary credit!! I never received the goods I was charged for due to no fault of my own. I should have received this credit immediately! I want my credit!!
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately.

The infractions are as follows.

Alleging creditor and account as is reported as having late payments my credit report.

I am demanding that this account be updated to paid as agreed and never late.

By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$24000.00} on a charge offs closed account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit  Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

I am filing this complaint regarding an unknown debt reported by XXXX XXXX XXXX on my credit report, which is being reported by TransUnion. I have no knowledge of this alleged debt and have not been provided with any documentation to verify its validity. Despite my requests, neither XXXX XXXX XXXX nor TransUnion has validated the debt as required by law. The continued reporting of this account is causing undue harm to my creditworthiness. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This validation must include clear documentation proving that the debt is legitimately tied to me, along with information about the original creditor and the amount owed. XXXX XXXX XXXX has failed to provide any of this information. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), TransUnion is obligated to ensure the accuracy and integrity of the information they report. By continuing to report this account without proper validation from XXXX XXXX XXXX, TransUnion is violating its legal responsibility to investigate and correct inaccurate or unverified information on consumer credit reports. 

I have contacted TransUnion multiple times regarding this matter, but no action has been taken to address the lack of validation or remove the unverified account from my report. The failure of both XXXX XXXX XXXX and TransUnion to comply with federal regulations has resulted in significant damage to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. I seek the immediate removal of the XXXX XXXX XXXX account from my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ) unless proper validation of the debt is provided. The lack of compliance with the FDCPA and FCRA is unacceptable, and I ask for appropriate enforcement actions to ensure this issue is resolved promptly. 

Thank you for your time and attention to this matter. I look forward to your assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX XXXX for over a year. Every so often they do a back ground through the company checkr. In this case Checkr falsified information about my background by adding criminal charges to my back ground. The name of the person does no match my name, the address does not match, nor does the county of residence match. This is clearly wrong information. I have emailed checkr twice, called once, as well as went trough their " dispute '' process with no response. This has caused me to get fired from my job. I want my report fixed immediately.
Product: Prepaid card

Thursday, XX/XX/23 I went to XXXX to buy a XXXX gift card for online use because I only had cash. I loaded it with XXXX. The same night I was trying to purchase something on XXXX for XXXX and the money wouldnt go through, so i kept checking on their website on securespend.com. It said at the back that I had to wait XXXX before it could get activated, even though the website says it has been activated, so I did. While waiting i kept checking their website to see if the balance changed and the money went through, but no changes. then earlier this morning Friday, XX/XX/23 their website wouldnt let me in anymore. After waiting for more than XXXX, I called the number and then asked for a live teller. The teller asked for my name, card number, expiration date, how much was on the card, and XXXX digit number at the back of the card. After this they said my card is on hold because it has been compromised. I told them no it has not been compromised because its only been with me, but they insisted that it may have been so they decided to get a replacement card for me. They then asked for my address and said it will arrive in XXXX business days. I said a month was too long and so they said i could get it in XXXX business days. XXXX writing this complaint because I do not have an ounce of trust that I will get that card in XXXX business days. The teller that answered me had an XXXX accent, and they could not give me enough information to satisfy and give reason on what is happening.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that has been incorrectly reported on my credit report. The account in question is associated with XXXX XXXX, but it is not mine, nor have I ever opened or authorized such an account. 

After reviewing my credit reports, I discovered that this account was placed on my reports with all three major credit bureaus. I have successfully disputed this with XXXX, several times, and they have removed the account from my report. However, it remains on my reports with your bureau, [ XXXX/Experian ] . 

Details of the Disputed Account is attached in the document portion of this complaint. 


Sincerely, XXXX XXXX
Product: Bank account or service

I received a netSpend letter in the mail containing a Debit card that is to be activated at my request if desired. I never requested or wanted a Debit card from the Company NetSpend. This is the most unprofessional business in existence. Not only did I not order this card but it could of easliy been activated without my permission and have my identity stolen. I do not have a active or existing account with this Company. The Card number displaying on the Debit card is # XXXX the account number is XXXX from what the document presents in the letter. I would please like to be taken out of there mailing list and also have this Business company NetSpend not ever solicitate to me with any offers ever again. My identity could of been compromised because of this unprofessional business company called NetSpend XXXX XXXX, Texas XXXX.