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

Your company XXXX XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures.
Product: Mortgage

XXXX XXXX, annual free of {$75.00} billed on HELOC account ( at {$0.00} balance ) was billed in paper mail. This annual fee had not been applied in the years prior on the account. No other notification of this fee was sent via email, phone, or text. No change to online account balance was made, the account continued to be listed as {$0.00}. There was no method to this fee online under the " XXXX XXXX '' category, because this did not show up as a bill or a balance on the account. 
XXXX XXXXpresent, have continued to pay all monthly principle and interest payment for HELOC loan. I have paid greater than the required minimum each month, yet this excess of funds was not applied to the XXXX $ annual fee balance. 
XX/XX/XXXX, contacted Umpqua to request removal of negative credit reporting through their credit disputes email. Spoke to local branch manager who agrees this should be rectified on account. 
XX/XX/XXXX, Umpqua stated they were unable to honor this request.
Product: Debt collection

I had a PayPal online credit account. I paid each month on the balance. Suddenly, I began getting phone calls and direct mail from Synchrony Bank saying they are representing PayPal to collect debt. I'm sending them money each month, they've reported that I owe them over {$1100.00} to XXXX  and the other 2 credit agencies and have closed the account. Yet, they are harassing me via phone call every 10 minutes every day. They phone callers leave voicemail messages only stating " hello, hello '' and stating my first name with the caller stretching out pronouncing my first name like a stalker, then they hang up. This happens back to back, then they wait an hour then do that again. The ONLY reason I know it's them is because I call the number right back after I answer and they hang up on me. Then a woman says she is Synchrony Bank. Then I will tell her that I've asked them repeatedly to stop calling me, stop calling my family, stop sending me mail threatening to send me the collections and that being a single parent on SSI there IS NO money yet I'm still sending money each month so just stop harassing and threatening me.
Product: Debt collection

I contacted Southwest Recovery Services to have them no long report to credit reporting agencies an amount ( that has already been paid off ) as showing an outstanding amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Bank of America Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

XXXX XXXX XXXX debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My older brother stole my identity and use it to open fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single teacher, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!
Product: Credit reporting or other personal consumer reports

I recently came across the CFPB lawsuit against Experian ( XXXX XXXX. XXXX ), which alleges that Experian failed to properly investigate disputes and reinserted negative items without proper verification. I believe I have been negatively impacted by these practices, as my previous disputes were marked verified without any meaningful investigation, hurting my chances at good credit. 

I am disputing all inaccurate, unverified, or outdated information on my credit report, including : 1. Accounts reported as past due, charged off, or in collections that should be updated or removed.

2. Unverified accounts that remain on my report without documented proof from the original creditor.

3. Duplicate accounts that unfairly affect my credit.

4. Hard inquiries that were unauthorized or inaccurately reported.

5. Reinserted negative information that was previously removed but has reappeared.

6. Incorrect personal information that does not match my actual records. 

Under 15 U.S.C. 1681i ( a ) of the FCRA, you must conduct a reasonable reinvestigation, provide documented proof for any verified items, and delete any unverifiable information. I expect a written response within 30 days, as required by law. If Experian fails to comply, I will escalate this matter by filing complaints with the CFPB, FTC, and the New York Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XX/XX/2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.
Product: Credit reporting or other personal consumer reports

15 USC 1666b : Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

SELF never sent the periodic statement along with the disclosure from section 1637 ( b ) I have requested proof that this information was mailed and 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 note equitable to me as a consumer Delete the late payment from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Self Lender to try to close my account due to identify theft preventing me from accessing my account. I filed a report with the FTC and submitted it to Self Lender. They still continue to report me delinquent harming my credit on a monthly basis
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. Here are the accounts, Self Lender XXXX, XXXX XXXX with one late payment on XX/XX/year>. 
I looked at my XXXX credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also, XXXX credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Product: Credit reporting or other personal consumer reports

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

This XXXX account has not been updated BY XXXX in almost 10 month, rendering it orphaned, and wholly inaccurate. 
1. The Account Balance is incorrect 2. The Last Payment Date is incorrect 3. The Last Payment Amount is Incorrect 4. The Scheduled Amount is inaccurate 5. This account has a comment - which is also inaccurate, and NOT provided by the creditor. 
" Charge, Amount in H/C column is credit limit '' " High Credit = XXXX, which is NOT True. ''
Product: Credit card or prepaid card

on XX/XX/2022 I purchased shoes on XXXX, the shoes did not arrive or were stolen. I first disputed with XXXX they advised me to dispute it with the bank. Bank keeps posting back and forth the transaction, taking money away and posting it back, yet, 90 days timeframe for investigation isn't met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Bank of America even sent documentation that I did not authorize a auto credit inquiry on XX/XX/XXXX or inquires with the bank XX/XX/XXXX or XX/XX/XXXX the bank has told me they do not know why the inquires were done and to dispute it but the credit agencies have stated that bank of America has to remove them and they can do nothing.
Product: Credit reporting or other personal consumer reports

Before volunteering to pay off credit card, I called XXXX XXXX XXXX and they agreed that once they received payment that they would delete the account from my credit profile, because it was reporting negatively. I paid them as promised and they never deleted the account. I have disputed the account several times and they still have never deleted the account as agreed.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.


2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.


3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay :

1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$3400.00}
Product: Money transfer, virtual currency, or money service

I was involved in a scam. The scammer had me do a Ria XXXX to XXXX transfer to a another person. I tried to contact company to see who picked up money. But no response. I transfer {$1000.00} XX/XX/18 at XXXX. To someone in XXXX SC. I want my money back. I know a long shot but I dont want anyone else have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting inaccurate and unverified information, this information should be deleted from any consumer report they have generated without my consent immediately! 

I never gave LexisNexis permission to generate any consumer reports or share my information with any 3rd parties. Nor did I give anyone that I've done business with to report anything to LexisNexis.
Product: Debt collection

CMRE Finance has continued to attempt debt collection on a radiology bill that was paid through my insurance and co-insurance that I held at the time. I no longer have that insurance policy and have made that clear more than once. 
I checked my credit through an online site called XXXX XXXX and now CMRE is attempting to collect XXXX additional debts. I know without a doubt I have nothing in collection. Additionally, I have not received any mail communication regarding these " supposed debts '' from CMRE. The XXXX additional collections showed up last week yet all XXXX have a reported date from XXXX/XXXX/15. If this were the case then why am I just now seeing this show up and why have I received nothing showing where these debts came from? To me this seems fraudulent and I would like answers as to why they arbitrarily added these debts which is now hurting my credit score. You may view my payment history regarding current accounts I have and see that I do pay timely. I should also add that I have contacted CMRE directly via email to determine what is going on and have yet to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # XXXX  XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF EDXXXX  Account XXXX xxxxxx XXXX, DEPT OF EDXXXX Account # xxxx XXXX, DEPT OF ED/XXXX  Account # xxxx XXXX, DEPT OF EDXXXX  Account # xxxxx XXXX, DEPT OF EDXXXX  Account XXXX xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account # XXXX XXXX US DEPT OF EDUCATION Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX  Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting an account from XXXX on my credit report. I was not notifird from the credit bureau prior to placing this account on my credit report
Product: Debt collection

I am writing to file a formal complaint against Aargon Collections and XXXX Credit Bureau regarding their failure to remove an account from my credit report that does not belong to me. 

Name of Collection Agency : Argon Collections Account Number : Unknown Date of Collection Notice : XX/XX/2023 I have recently discovered that Aargon Collections and XXXX Credit Bureau have reported an account on my credit report, and upon careful review, I can confirm that this account is not mine. The inaccurate information has negatively impacted my credit score and financial standing. 

I have taken the following steps to rectify the situation : Dispute with Credit Bureaus : I have filed a dispute with the major credit reporting bureaus ( XXXX, XXXX, and XXXX ) to have the erroneous information removed. However, despite my efforts, the inaccurate account remains on my credit report. 

Contacted Aargon Collections : I have contacted Aargon Collections and XXXX Credit Bureau directly to request the removal of the erroneous account. Unfortunately, my attempts to resolve this matter with them have been unsuccessful. 

I seek your assistance in addressing this matter and ensuring Aargon Collections and XXXX Credit Bureau complies with the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to have the inaccurate account removed from my credit report. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies XXXX / Experian and XXXX XXXX and never received a response in over 4 years from either. 
4. XXXXI XXXX XXXX XXXX Experian/ XXXX XXXX 5 . To many names to remember over the past 4 years
Product: Credit card or prepaid card

On XX/XX/21 I received a stimulus check on my american express serve card. On XX/XX/21 I went to try and withdraw money from my card and was denied. Went into a grocery store and was denied too. Called the customer support number and they automated system said my account was locked. Every time I call them I can't get through to someone