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

On XX/XX/2022 I submitted my complaints and disputes regarding improper use of my consumer information. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit reports showing the inaccuracies. 

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

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, Experian, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Product: Debt collection

I ask for the immediate investigation and removal of fraudulent accounts on my credit report.
Product: Credit reporting

They are reporting that i missed a payment on my student loan and i have never been late, and also reporting that it is a collection/ closed account and that is not correct. It also is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX a federally protected consumer. EXPERIAN is violating my federally protected right as a consumer by furnishing a consumer report without my written consent. this is a violation of 15 USC 1681 ( b ) ( 2 ).

As a federally protected consumer I am alarmed and seriously concerned that Consumer Reporting companies are consistently violating the law willfully. 

Please see the attachments as they provide proof that Experian is violating my federally protected consumer rights in many ways.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

AmSher Collection Services , Inc. requires written information to be sent to them to verify that a medical debt is paid but has posted an invalid email address so you are not able to submit the information to them. AmSher Collections Services and XXXX XXXX XXXX have sent me bills repeatedly for XXXX XXXX I paid for on XX/XX/year>. I have received verbal confirmation from XXXX XXXX XXXX customer service multiple times that the amount has been paid but they have now sent debt collection and I am unable to to email the written documentation showing the amount is paid. XXXX XXXX XXXX representatives have also said multiple times on the phone they have noted on my account that the bill is paid but now they have sent debt collection after me.
Product: Debt collection

I received a call on XX/XX/29 about a debt. I tried to make a payment arrangement but was told it would still be reported to the credit bureau. The company told me they sent a debt validation letter to the address they had on file. I explained that I do not receive mail at that address because mail is not delivered on my street. I asked them to send a debt validation letter to my XXXX XXXX and they said they already send the letter and I explained again that I don't receive mail at my physical address and then they hung up on me. This company is receivable performance management and I spoke with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. Equifax and XXXX are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates XXXX XXXX the financial institution, and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXXXXXX XXXX whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title Equifax and XXXX are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.
Product: Credit card or prepaid card

On XX/XX/2003 I contacted Comenity Bank to request a reduction in my interest rate. I was outsourced and they transferred me all over the place finally telling me that I had to put it in writing and giving me the address to send my request to : Customer Care, Comenity Ban, XXXX. XXXX XXXX, XXXX, Ohio XXXX. Today I received a response from them telling me to call Comenity Bank. I called and they were unable to verify my information, told me my birth date and the last four digits of my social didn't match. I asked for a supervisor and they transferred me to the collection department which couldn't help me as I wasn't in collection. I asked for a department to contact other than Customer Care as Customer Care didn't seem to understand the request and neither did anyone else at Comenity. They suggested that I apply for a hardship, which is not what I wanted to do. At this point I would simply like to be able to contact someone at Comenity that can stop " customer service '' from giving customers the run around, while I shop for a bank to transfer this card and a card that has apparently been sold to them by XXXX to another account.
Product: Debt collection

Called claiming they wished to contact my friend for a job offer and that he had left my information as reference for said job. They claimed they can not contact him and asked that I forward information to this friend to call a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX extension XXXX. I 've received several calls over the past year with the exact same claim for my friend, which i know is a scam attempting to get me to do their work in a collection attempt. Seeing as I have not given them permission to contact me on a regular basis yet they continue to call me with this scam, this can not be legal. Caller ID showed the number originated from the collection agencies Arizona number : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
XXXX credit card isn't me I never had one, and XXXX XXXX account on my report And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 card or prepaid card

On XX/XX/XXXX I paid XXXX XXXX  {$87.00} to overnight a package to a XXXX XXXX address. The package was scheduled for delivery on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX to inquire where the package was for the package had not been delivered. XXXX stated a delivery attempt was made but no one was home. Someone was the XXXX XXXX address all day. Also XXXX was given instruction no signature was required for the delivery ; therefore the package could have been left at the front door of the residence which happened to be a gated community. XXXX stated that the package would be at one of their stations for pick up the next day. I needed the package on XX/XX/XXXX. XXXX apologized and offered to refund me the overnight delivery fee and that I would need to call them on Monday to request a refund.The package was pick up from a XXXX station, XXXX miles away. 

I called XXXX to request the refund and was told the overnight delivery fee of {$87.00} would be refunded to my AMEX card. A month went by and I still had not received the refund. I called XXXX and they still claimed that the refund had been sent and to contact AMEX. I contacted AMEX and completed a dispute with AMEX around XX/XX/XXXX or XXXX of XXXX. I have not heard from AMEX or XXXX. Looking for my refund from XXXX to be credited to my AMEX card in the amount of {$87.00}. Someone please assist with this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXXXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX  XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Debt collection

Capitol One Bank calls MULTIPLE times a DAY. They never leave a message as to what it 's about or how much is owed or where to send payment. Instead they call relentlessly. I know it is them because I had to put a block on my phone. Every time the phone rings its them.
Product: Debt collection

Hunter Warfield Inc {$3400.00}. Im not liable for this debt. I have no signed contract with Hunter Warfield. 

In addition, a review of my local county clerks records show the Original creditor XXXX XXXX has voluntarily dismissed the debt. Civil court records show removed from public records under my name and dismissed consideration amount {$.00}. Im no longer liable for this debt with the original creditor and have never had a contract with Hunter Warfield.
Product: Checking or savings account

funds was always taking days later or weeks later causing overdraft fees.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX
Product: Student loan

Hi, I applied for the SAVE Repayment Plan via the studentaid website on XX/XX/2023. The studentaid website shows that EdFinancial has received and processed the application. 

However, EdFinancial 's customer service representatives has no record of this application from XX/XX/. I have the form that studentaid 's website provided, I resubmitted it to edfinancial however their current processing time for applications submitted directly to them is ~7-8weeks. 

I would accrue interest during this time. Based on the status shown below my application should have been processed by XX/XX/XXXX. 

The current status on the studentaid.gov website is as follows : Application Created Application Submitted Application Review Application Processed Your loan servicer ( s ) has ( have ) completed their review of your application. 

Screenshot for this attached along with my original application that was submitted through studentaid.
Product: Debt collection

XX/XX/2022 I received a letter from asset acceptance LLC XXXX  XXXX XXXX ID XXXX claiming I owed a debt too XXXX XXXX in which I have never done buissness ever! claiming they where filing a motion in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX too garnish my wages for a debt I have no knowledge of wouldn't this be considered fraud? Or just an unehical lawyer?
Product: Checking or savings account

On XXXX XXXX, 2023, I deposited a check for {$16000.00} from a large company in XXXX. It was a check in USD drawn on XXXX XXXX XXXX. The check was micro-encoded. Today is XXXX XXXX, and the funds still have not been deposited in my business checking account. On XXXX XXXX, Citizens took a {$30.00} fee from my account and sent me a letter ( which I didn't receive until XXXX XXXX ) that stated they had received {$16000.00} and sent it out for collection. XXXX XXXX was 9 days after I deposited the check. Why did it take 9 days to send out check? I called the phone number on the letter and was told it takes 6 weeks to deposit the funds. This is crazy... .6 weeks to clear a USD check from XXXX XXXX XXXXXXXX? A business check being deposited in a business account? I called other banks in my area with details ... ..they all told me 0 to 2 weeks.
Product: Credit reporting or other personal consumer reports

I recently paid off my XXXX  XXXX XXXX  Loan in early XX/XX/year> and XXXX reported in XXXX that my account is still open with an outstanding balance. 

I have contacted XXXX XXXX XXXX several times requesting that they update the reporting to the credit reporting agencies showing the account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed hard inquiries on my XXXX credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to Bank of America to remove the unauthorized inquiry. I then filed a CFPB complaint against XXXX  and Bank Of America on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX XXXX  replied to my CFPB complaint file # XXXX, I was informed through XXXX  reply to contact the furnisher of the inquiry. Which I did. 

( Bank Of America ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

Bank Of America did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, XXXX insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( Bank Of America ) giving me the run around back to XXXX that also did not investigate initially to see that Bank Of America can provide proof of consent according to FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.

Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) Southwest Credit ( XXXX ) Account # XXXX XXXX Credit Ref # XXXX NOTE : This account had been deleted off my credit report in XX/XX/XXXX. Now they are trying to fraud tactics to put it back on my credit report. 

This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.