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

Experian has and account called XXXX XXXX reporting on my credit report Ive never did any business with them Ive never contacted them so this account needs to be removed immediately 15 usc 1692c ( c )
Product: Credit card or prepaid card

I received a US Bank Relia Card on XXXX XXXX, 2020. I did not request this card and I do not want this card. I have not file for unemployment and I do not need this card. On XXXX XXXX, 2020, I called five telephone numbers of US Bank Relia Card and I have called each telephone number several times. Every time I call, I get the automated message that all the representatives are business and I have a wait time of ten to fifteen minutes. After a couple of minutes of waiting the Im automatically disconnected. I have not been able to speak with a representative from US Bank Relia Card and no representative in their fraud dept. I want this account closed and deactivated and to inform them the need to verify who the are issuing a card too before just sending it out to individuals who has not requested it. 

I want this account closed and the card deactivated. I was unable to contact US Bank Relia Card online because I will have to create an account with the card and Im not doing that because then the card will be active, then whoever requested this card then will have an account. Would please assist me in contacting US Bank Relia Card to close this account and deactivate or flag the account and the card they have sent me.
Product: Debt collection

Identity theft. 
Account info Account name AFNI , INC . 
Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal request to XXXX, Equifax, and XXXX to remove unauthorized credit inquiries from my credit report, citing violations of the Fair Credit Reporting Act ( FCRA ) under Section 604.

Despite my request, no substantiating documentation has been provided to verify the permissible purpose of these inquiries, and Equifax along with other major credit bureaus have failed to address or resolve the issue within the XXXX period required by law. 

The inquiries in question include : 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 XXXXXXXX, in my follow-up complaint to the CFPB dated XX/XX/XXXX, still no proof of permissible purpose, documentation to substantiate the hard inquires, or corrective action has been provided. The continued reporting of these inquiries without validation constitutes a breach of my rights and an inaccurate representation of my credit file. 

I urgently request the immediate removal of these inquiries and a formal acknowledgment of this complaint to ensure compliance with federal law.
Product: Checking or savings account

I submitted a complaint to the FDIC on XX/XX/2020 against Citibank. The FDIC issued me a letter stating they were referring the complaint to you. I called the CFPB on XX/XX/2020 since I had not received any correspondence in regards to my complaint, and the phone agent I spoke with told me you never received anything from the FDIC. I contacted the FDIC to inform them of this, and was told they submitted the complaint to you on XX/XX/2020. When I told the FDIC that you never received anything from them, they suggested I submit a new complaint directly with the CFPB, and attach their letter indicating they had forwarded the complaint to you. You may want to look into why this correspondence was never received by the CFPB. Here is the nature of my complaint : On XX/XX/2020, I wrote a check out of my XXXX XXXX Account XXXX account # XXXX XXXX for {$50.00}. The bank where the check was deposited issued the depositor a letter stating the check was returned unpaid. I received no correspondence from Citibank that this check was returned unpaid, nor the reason it was unpaid. I attempted three times to contact Citibank to find out why this occurred. Every time I called, the overseas phone agents kept me on hold for long periods of time, after which they said they needed to transfer my call somewhere else. After this, my call was disconnected each time. Since I was unable to obtain any information by phone, I wrote a letter to Citibank on XX/XX/2020 asking for an explanation. It has been nearly seven weeks since I sent this letter, and still have not received a response.
Product: Student loan

I took a private loan from XXXX XXXX which now switches to Navient. Although I ca n't find a job using my degree yet ; I still make the effort to pay toward my debt. They used to take the payment directly from my checking account but they stopped since last XXXX. When I called to question why they have n't the payment from my checking they told me that I did n't renew the income based payment arrangement ( which I did in XXXX ) they verified the date that I told them I call to renew but they told it was n't done. When I asked what I can do to renew again they told me it was too late and I have to reapply again. They asked me for my employment /income information, my expenses then they told me I was in negative by {$900.00} so I was not qualified for income based payment. They changed my monthly payment from XXXX to almost {$300.00} which almost double of what I was paying. I offer to produce my tax return my son daycare information my rent payment and so on to verify that I was n't lying about my financial situation but they declined. They want me to have my co-signer a friend and a single mom of XXXX who 's already struggling on her own to pay the extra money they add up to the payment. Every time I called to make a fair payment arrangement they refused and kept making threat and harassing my co-signer every day. Whenever they talked to my cosigner they told her they were willing to make an affordable payment arrangement and I was the one who did n't want to pay them which was completely false. Since I decided not to take their phone calls due to their effects in my health, I paid them XXXX payment over the phone then I set up bill payment through my bank and paid them through my bank. Yet they are still threaten and harassing me every day with phone calls or my co-signer. They even called me at work and did not give them my work number or fax number. They even went further by faxing my work without my permission and got me in trouble with my supervisor because she thought I was the one giving them my work fax number for personal business. I had to explain to my supervisor that I was n't the one giving them the fax number and have to discuss my personal information at work which was very embarrassing. I have proof that they 've been getting their payment but they are still calling us and making our lives a living hell. I just want to know how can I stop Navient to stop harassing me to death because one of these day they going to cause me to XXXX for a {$25000.00} loan which I am trying my best to pay them every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Equifax a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX  & with a lender called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent in disputes to all 3 bureaus about the inquiries on my credit report in XXXX and earlier this month. XXXX and XXXX did close one account but all inquiries are still there. I asked them to provide proof and if it weren't provided that they kindly remove all of it from my credit report. It is effecting my report drastically and is getting in the way of me being able to get approved for apartments. Under the FCRA law 15 USC 1681i states that you need to show the procedure taken to verify the information verified on the credit report.
Product: Credit reporting or other personal consumer reports

My account withDEPT EDXXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. Experian showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
XXXX - Is showing Payment after charging off. 
XXXX Is showing just charge off
Product: Debt collection

Resurgent Receivablesd LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of { $ XXXX XXXX } listing XXXX XXXX XXXX, XXXX XXXX as the original creditor to XXXX, XXXX and XXXX. Resurgent Receivablesd LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of { $ XXXX XXXX } listing XXXX XXXX XXXX, XXXX XXXX as the original creditor to XXXX, XXXX and XXXX In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. XXXX XXXX XXXX, XXXX. removed the erroneous and inaccurate Collection attempts. I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Resurgent Receivables LLC. is not my creditor. I also dispute XXXX XXXX XXXX XXXX. as my original creditor. XXXX XXXX XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance for both accounts currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.

Also, per 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consurmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Based on the above Resurgent Receivables LLC. is not complying due to reporting inaccurate information to all 3 Credit Reporting Agencies. They have different status for XXXX, XXXX and XXXX, some showing closed and open on different Consumer Reporting Agencies. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Resurgent Receivables LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent as this information is not validated nor accurate.
Product: Credit card or prepaid card

I have a Barclaycard Visa XXXX Rewards. 

I dont use XXXX XXXX for small purchases or XXXX. 

Therefore, I did.t request this kind of rewards.
Product: Debt collection

The collection agency will not return my calls, or allow me to speak to anyone. The daycare XXXX XXXX in XXXX Utah is charging me for days my child did not attend. 
I was told from the daycare manager they scam single mothers all the time to collect more money. My child was mistreated, and i was pregnant and unable to work and was continuously charged even after i advised them prior. Please help me. These charges are unjustified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Capital One Auto Finance requesting that they delete 5 inquiries on my credit reports considering that I did not authorize anyone employed at Capital One Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Capital One Auto Finance bearing my signature. These are the 5 inquiries : Capital One Auto Finance- XX/XX/XXXX Capital One Auto FinanceXXXX XXXX, XXXX Capital One Auto Finance-XXXX XXXX, XXXX Capital One Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please remove these 5 inquiries on all of my credit reports.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They decided to take it off equifax but still reporting on XXXX and XXXX. This account belong to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX XXXX, and Experian and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I made an agreement with the company XXXX XXXX to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to Equifax as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/2011 Balance {$3100.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/2011 Balance {$2100.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance : {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX Account : XXXX I disputed the referenced account above on ( XX/XX/2022 ) The credit report of ( Experian ) shows this item were deleted from my credit file. Now this item have reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : - FCRA 611.Procedure in case of disputed accuracy ( 15 U.S.C 1681 ) - Requirements relating to reinsertion of previously deleted material.

- Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

- If any information that has been deleted from a consumers file pursuant to subparagraph. 

( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information, and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would Experian want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.
Product: Debt collection

am writing to formally file a complaint regarding ongoing harassment and inaccurate credit reporting related to debts that I have already addressed. Between XXXX and XXXX, I have taken repeated steps to resolve these matters, yet the issues persist, causing undue stress and negatively impacting my credit report. 

Specifically : XXXX. Midland Credit XXXX XXXX XXXX Credit Card ) : Midland Credit has been contacting me persistently for over XXXX years regarding a debt that was already sold to another company. 
Despite my efforts, including sending multiple letters citing specific codes and documentation to validate that the debt was invalid, Midland Credit has continued to harass me for payment. 
XXXX. XXXX XXXX ( avant ) : Similar to the above case, XXXX XXXX has been reporting the same negative information on my credit repeatedly, even after I provided documentation disputing the debt. 
I have made several attempts to have this inaccurate information removed from my credit report without success. 

These actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have taken appropriate steps to communicate with these companies and have provided the necessary information to prove that the debts are either invalid or already resolved. 

I kindly request the following : XXXX. A thorough investigation into the validity of the debts being reported by Midland Credit and XXXX XXXX. 
XXXX. Removal of any inaccurate or outdated information from my credit report. 
XXXX. A resolution to ensure that I am no longer harassed by these companies regarding these debts. 

Please let me know if additional documentation or information is needed to support this complaint. I look forward to your prompt response and resolution to this matte