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

To Whom It May Concern, I am filing this complaint due to the ongoing and unlawful reporting practices by XXXX XXXX, XXXX XXXX XXXX, and Experian. Despite multiple disputes, including certified letters and an FTC Identity Theft Report, both Resurgent/LVNV and Experian continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Violations : Failure to Provide Proper Validation ( XXXX XXXX and XXXX XXXX XXXX ) : I have repeatedly requested proper validation for the accounts in question, including the original contracts with wet signatures or digital proof of contract ( IP addresses and metadata ) if electronically signed. Instead, XXXX XXXX XXXX and XXXX XXXX  have provided irrelevant documents like bill statements and terms and conditions, which do not satisfy the requirements of proper validation under FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g ( b ).

They have also failed to show legitimate proof of my authorization for these accounts, making their continued reporting illegal. 
Continuous Reporting and Re-Aging ( XXXX XXXX, XXXX, and Experian ) : XXXX XXXX  and Resurgent continue to report these accounts as " Charge-Off '' ( CO ) on a monthly basis, despite being charged off years ago. This constitutes re-aging, a violation of FCRA 15 U.S.C. 1681c ( a ) ( 4 ). 
Experian, despite being notified of the disputes, has failed to stop reporting this inaccurate information and continues to reflect the false reporting by XXXX and XXXX. This is in violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to cease reporting inaccurate information upon notification of a dispute. 
Failure to Cease Reporting After Dispute ( Experian and XXXX ) : Despite my multiple disputes, Experian has continued to report these accounts without conducting a reasonable investigation as mandated by 15 U.S.C. 1681i. Simply " verifying '' with the creditor without obtaining proper evidence does not meet the legal standard. 
XXXX XXXX and XXXX have also failed to comply with 15 U.S.C. 1681s-2 ( b ) by continuing to report these accounts without proper validation, despite being informed of the dispute.

Harm and Consequences : These unlawful practices have caused severe harm to my credit score, preventing me from securing necessary housing and loans. The continued re-aging and false reporting have also caused significant emotional distress and financial harm, as I am unable to move forward with important life decisions for myself and my family. 


Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX in violation because they have been reporting to XXXX XXXX  parties. XXXX and XXXX. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to XXXX other parties. 

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX  years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses, and inaccurate spellings of my name. The only thing that should be on my report are criminal convictions and anything I give consent to. These are violations of the FCRA. Also the account from XXXX XXXX on both of my reports. Thats another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before.If I have given consent at any time. I still have the right to opt out. I am opting out their reporting services.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX XXXX, XXXX, I live in XXXX. I have an account at XXXX XXXX  in the USA and through them I obtained the American Express Number XXXX XXXX XXXX credit card and an extension for my husband ending in *** XXXX. 
It was an offer of a XXXX American Express card and its extensions " free for one year ''. 
Last XX/XX/2020, I canceled these cards through American Express customer service and my request was recorded. Then I received a confirmation email confirming the cancellation of the cards. Attached you will find this email ( this was a month before having the year with the cards ). 
On XX/XX/2020, US {$790.00} were automatically debited from my XXXX XXXX  account by American Express. I thought it was a fraud and wrote to XXXX immediately, with no response. 
After calling American Express Customer Services, they informed me that my credit card account was still active " perhaps a mistake made by the person who attended it '', and that this charge corresponded to the renewal of the annuity of the cards. they told me that they could not do anything until they canceled the card. Again I had to record the cancellation of the cards. 
My complaint is that American Express is scamming me. Instead of asking me for the email that proves that I canceled my cards on XX/XX/2020, they opened a case to " play with my money. '' I need my money back now. Because I canceled those credit cards on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Emergent Servicing contacted me via email on XX/XX/22 regarding an alleged debt to XXXX Shortly after receiving this email, I sent a written letter via first-class mail disputing the debt and requesting additional information regarding the alleged debt. Emergent Servicing has failed to respond to my request yet continues to send attempts to collect the disputed debt ( see the latest email from XX/XX/22 ).
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Account Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding XXXX XXXX  {$580.00} XXXX  XXXX  {$280.00} XXXX  XXXX  {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Debt collection

ERC removed a debt for {$680.00} on my credit report and has now resubmitted it on XXXX XXXX XXXX. I have contacted them to let them know that this debt does not belong to me. They say that they are working with XXXX to collect this debt. They sent me a verification of the debt but did not provide me any documentations such as a signature showing that this is my debt. They are ruining my credit profile and I am currently trying to buy a house. This has been beyond belief and this item is damaging my reports.
Product: Credit card

Credit card was at a 0 % interest rate when reviewed account noticed I was charged an interest charge, I paid the account in full immediately and called Capital One to find out why I was not notified. There is a change in the interest rate and a statement ( which I did not received ). One proceeded to tell me that it is not there practice to notify customers of a change in the interest rate. This practice is very deceptive and unfair as rate change a customer should be notified or made aware of.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to insure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened online Checking account with Bank of America with XXXX as a deposit and received emails welcoming me followed by identification verification failure email. That was XX/XX/2021. XXXX phone calls, XXXX letters from me to BoA resulted in diddly squat ... just more lies from BoA. The check is in the mail..I have been told repeatedly. Check was returned, they lies. I have never changed my name, never altered my identity and proceeded to open an account locally w BoA with the he EXACT same forms of ID verification. 
BoA, XXXX have mercy on this corrupt entity, has ripped off hundreds of thousands dollars from my heir very own clientele.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid for three bureau report and didn't receive the reports but was charged XXXX and the site gave me an error and still charge me would like a refund.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ALL INQUIRIES ; LATE PAYMENTS ON XXXX XXXX LATE PAYMENTS ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. XXXX Also In accordance with the Fair Credit Reporting act XXXX Account XXXX/Transunion/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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I am not nor giving permission to furnish these fraudulent accounts.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Credit Limit Increase and Possible Business Credit Expansion Dear Capital One 's Customer Service or Executive Team I hope this letter finds you well. I have been a satisfied and responsible Capital One customer for the past 7-8 months, and I appreciate the services your company provides.

I am writing to request a credit limit increase on my Capital One Quicksilver credit card account. While my financial situation has been stable, and I have successfully managed my payments, I find that having access to additional credit would be beneficial for my financial goals. With my continued responsible financial behavior, I believe that an increase in my credit limit would provide me with more flexibility and better align with my financial needs. 

Additionally, I am excited to express my intent to expand my Capital One membership to include a business credit account. As I plan to venture into business endeavors, I see Capital One as a valuable partner to support my entrepreneurial aspirations. 

I understand that credit limit decisions are made based on various factors, including credit history and payment history. I am confident that my consistent, on-time payments and responsible credit usage demonstrate my creditworthiness. 

I kindly request that you review my account for a potential credit limit increase, and I am eager to explore opportunities for a business credit account as well. I believe these adjustments would enable me to make more efficient use of my credit and further strengthen my financial stability. 

Im also requesting only my transunion file be soft pulled for the credit decision. 

If you require any additional information or documentation to facilitate this process, please do not hesitate to contact me at XXXX or XXXX I would be more than happy to provide any necessary details. 

Thank you for your consideration of this request. I look forward to a continued positive relationship with Capital One and appreciate your assistance in helping me achieve my financial and business goals. 

Sincerely, XXXX XXXX
Product: Credit card

I was told by XXXX XXXX that it was a XXXX $ consulation fee for appt. if not covered by insaurance.I met with XXXX XXXX on a holiday which insurance was closed and couldnt confirm insurance would pay for treatment. he had me open an account with Affirm I requested for mens health to reverese contwct because I was in 3 day cancellation of contract. he then said i need ed talk to director. they are tried to charge me over XXXX for 1 day of service. they never put the account in dispute, never fixed the reveresal. and now is ruining my credit. I canceled on XXXX/XXXX/2024 i have 19 emailed going back and forth with XXXX XXXX saying he cant talk to me because its in his directors hands, they still have not fixed the account and did not treat the account as a dispute by affirm or from XXXX XXXX
Product: Student loan

On X/XX/2017 it was time for my first re-certification of the XXXX plan I had been granted XXXX months earlier under FedLoan. I submitted a completed application along with a comprehensive statement of income and proof of income sources, XXXX per source, current within XXXX days. 

On XXXX, I was informed that my XXXX re-certification was rejected. The reason cited for the rejection was that I had not supplied adequate documentation for my spouse 's income. I informed customer service that my spouse 's source of income was from investments XXXX checking account with interest ). The first round of talking with customer service resulted in " There 's nothing we can do for you. '' The second round resulted in an escalation for another review. 

On XXXX, I called back to see how this second review had progressed. Customer service again informed me that it had been rejected, again citing the lack of proper documentation for employer based income when I had indicated that my spouse had taxable income. Representatives from FedLoans even went so far as to tell me that I should n't have reported the interest income as taxable income. That I should have just left the interest income off ... Say what? Seriously, asking me to certify a false document? XXXX ( sorry, but they really go me worked up XXXX, the law is the law. Taxable income is taxable income. 

I ca n't explain it any other way, but I think because I had checked the box indicating my spouse had taxable income, they thought it could have only come from employer income despite it clearly stating in Section 5 that Taxable Income includes " dividend income, investment income ''. They were looking for a pay stub, when I did n't have one to give them. She does n't have a job. The taxable income did n't come from a job! 

As of today, X/XX/2017, FedLoans now says they 're going to process for the next billing cycle, and I hope that after XXXX months of this drama, they finally have their heads on straight. I 'm not surprised to find that the XXXX in Massachusetts is suing FedLoans. They 're very difficult to work with at times.