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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an auto loan opened with XXXX XXXX XXXX on XX/XX/XXXX acct # XXXX with a bal. {$73000.00}, a credit card account opened with XXXX XXXX  on XX/XX/XXXX under acct # XXXX, bal. {$7300.00}, a credit card account with XXXX XXXX XXXX  XXXX on XX/XX/XXXX acct. # XXXX, bal. {$6100.00}, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under account umber XXXX, bal. {$6100.00}. 
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

my original debt to XXXX  XXXX, {$650.00} ( principal was 287.20 and finance charges were 371.18 ) was charged off on XX/XX/2019 after my brother suddenly and tragically died and i was required to pay for his funeral/memorial services. midland credit management purchased this debt for under 40 dollars ( account number XXXX ). due to these extenuating circumstances, i worked with other credit agencies to negotiate other debts. XXXX XXXX and XXXX XXXX negotiated fair payments which i settled immediately ( 50 % of debt ). i called midland credit agency and requested proof of original debt. they told me they didnt have that information and refused to send it. i was transferred to a call center in XXXX and then back to a call center in Virginia. I spoke with XXXX, who said that MCM did not have proof of original debt and I would have to look at my original bills. i offered MCM a lump sum payment of XXXX  dollars. they refused to accept this even though they would have made a substantial profit since they purchased my original debt for pennies on the dollar. they are greedy and should be investigated by federal legislation. i am prepared to pay XXXX  immediately if they agree. I have lost substantial income due to testing XXXXXXXX and developing severe symptoms from XXXX XXXX  for over two months. Since MCM purchased my original debt for under 40 dollars, i believe a good faith effort to negotiate a payment of XXXX dollars is reasonable and they will still make a profit. anything else is price gouging.
Product: Checking or savings account

I signed up a checking account from Citi Bank around XX/XX/year> with their promotion offer of {$300.00} bonus. XXXX I called in to their customer service and was told I need wait till XXXX to receive the bonus. And I called again by the end of XXXX, customer service I will not be able to receive the bonus because their system dont see my application has the offer. This is a scam on what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; Medical XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX.
Product: Checking or savings account

On XXXX my husband and I closed our Axos checking account and withdrew all of the funds. The closure of the account was confirmed on XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX Axos bank initiated a {$2500.00} transfer from my external account to be deposited into the ( now closed ) checking account. I received an email XX/XX/XXXX that Axos bank received the funds from my external account ( which I had no idea this transaction was even happening because we closed the account before the transaction should have taken place ). I sent a message to Axos through their app on XXXX stating that the transfer should not have happened and how will I receive the funds back? I did not get a response in 24 hours so on XX/XX/XXXX I called Axos bank and spoke to a representative who stated that the account is definitely closed and that the funds will be rejected and routed back to the bank it came from electronically. Since that time I had been checking my other account to see when the funds would arrive. Now it is XX/XX/XXXX and I still do not have the funds so I called Axos bank again. I spoke to a different representative who informed me that I was sent a message in the Axos banking app XX/XX/XXXX stating that they would mail the funds to the address on the account as a cashier 's check and that they have already mailed the check ( without tracking information and without confirmation from me ). I had been trying to log into my Axos account and have been unable to for over a week. I was then informed by the representative that my account has actually been deactivated since XX/XX/XXXX and so there is no way I would have been able to log in after that time. So there is no way I would have been able to see the message that was apparently sent to me on XX/XX/XXXX stating they were mailing a check. 

So in summary Axos bank initiated a transfer from my external account to their bank, to a closed checking account. Then told me they would send the funds back electronically. Then they did not send the funds electronically and instead decided on their own to send a cashier 's check by mail without confirmation from me and without verifying the address on the CLOSED account. And it is the wrong address. I do not live or have any connection any longer to the address that they sent the check to. They " notified '' me that this was occurring by sending me a text message on their app on XX/XX/XXXX that they should have known I would never be able to see because they deactivated my account on XX/XX/XXXX making it impossible for me to log in. And then in order to rectify the situation they asked me to sign a disclaimer form ( which is attached ) that states that I lost the check.
Product: Credit reporting

Received a report that stated : Applicant is associated with anothe r SSN wh ich is reported as deceased. When trying to get a car loan, we were turned down by a few banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  used my SSN and tied it to my deceased dads card account .. He died in XX/XX/XXXX and now in XX/XX/XXXX it shows up on my credit Experian. His debt was cleared when my mom filed bankruptcy in XXXX. Its not about them wanting money but someone tied my SSN to that account
Product: Credit reporting or other personal consumer reports

Reinvestigation request notice, Under 15 USC 1681 requires accurate and fairness be for any information is inserted to my consumer report. I'm aware of my right 's and know according to the FCRA I have the right to challenge anything and everything that I'm unsure of. I demand that you reinvestigate this account XXXX XXXX XXXX XXXX account number XXXX date XX/XX/year>, this account must be reinvestigated A.S.A.P. If you can not provide the proof of the reinvestigation of this account FCRA 611 ( 15 U.S.C. 1681 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

Also under 15 USC 1681 ( I request a description of procedure ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. The law is clear as to civil liability available to me. Failure to honor this reinvestigation will lead to a $ 1000.00fine per violation. 
Also the consumer filed a FTC Report again for this reinvestigation # XXXX.
Product: Credit reporting or other personal consumer reports

Information on credit reporting agency 's such as equifaxs, experian, and XXXX had mismatched XXXX regarding my personal information such as work history, XXXX XXXX XXXX have open account that can be closed and taken off due to debt no longer exists but says active on my report by the name of XXXX XXXX XXXX, debt collectors such as XXXX XXXX  do not have a signed copy agreeing to pay back debt to collection agency that bought debt from original lender,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are not authorized by me and are not related to any transaction by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE 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 XXXXXXXX XXXX Balance : {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS keeps hanging up on me when I call to request their consumer report file they have on me. 

The last call I made to LEXIS NEXIS on XX/XX/2021 - XXXX provided the verified address on my driver 's license - which they claimed did not match their system. 

I am very concerned LEXIS NEXIS is, allegedly, defaming and misreporting information in my consumer report file - which is causing credit declines and adversely affecting my ability to do business. 

I request LEXIS NEXIS either provide electronic access to my report or, in the alternative, mail my report to me : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX If LEXIS NEXIS continues to refuse to provide me my consumer report in a reasonable time- I shall take all appropriate legal action per Fair Credit Reporting Act.
Product: Student loan

I had a Stafford subsidized loan that went into default. My servicer was Texas Guaranteed. They began garnishing my wages, and on top of the 3.5 % fixed interest of my loan, Texas Guaranteed saw fit to charge an additional 12.5 % each month as a " service fee, '' even though my HR department did all of the labor to complete the transaction and Texas Guaranteed just passively took my money. I tried multiple times to transfer my debt to another organization, but Texas Guaranteed refused to relase it. The debt is now paid in full, but the account still shows delinquent on my credit report. If this is n't a crime, it should be. Somehow, my generation and income bracket ended up being the first people in history who actually had no way of getting out of debt without being subjected to the abuse of a private debt collector. Even bankruptcy would n't have saved me. I was n't even an adult when I ( actually, the signature on the MPN was forged by my mother ) signed up for this loan. I was unfairly pushed into the idea of signing up for the loan by an education system that misrepresented the return on investment that it would provide, and the loan was approved without consideration for my ability to repay because it was guaranteed that I would be compelled by the U.S. federal government, without recourse.
Product: Debt collection

Never received notice of the debt until after it was reported to credit agency. Contacted company immediately and paid debt, of which I was told I would recieve a confirmation email statement. I never received that. I called back and then I was told I would not receive a payment statement and that my bank statement would serve as my receipt. I submitted a dispute with the credit agency to have the collection account removed from my credit report and now the company who reported it will not remove it and states it is accurate as it stands even though the account has been paid in full. The problem is I only have a bank statement to show as proof of payment but no actual receipt from the company. So I am stuck with a collections account on my credit and again the company refuses to state it was paid or have it removed.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX 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 or other personal consumer reports

Trans unions is reporting an account on my credit report thats fraudulent & is not my mine
Product: Credit card or prepaid card

I have auto pay though my bank for my Capital One credit card payment to pay on the first of the month. The credit card company posts it every month after the due date almost two weeks after they received the payment and then charges me a late fee.my payment is due in the seventh today is the eleventh and still not posted. I will now get collection calls but they have the payment. I have tried to resolve either them they say its my bank, my bank says its them and I am the one stuck in the middle. 
Please advise Thank you.
Product: Debt or credit management

Identity theft fraud Years XXXX. XXXX. XXXX hotels- used by XXXX app. XXXX XXXX gas station. Others Chime bank checkings & Savings .used for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child Support- I asked for their boss that lied about child support services and abuse services, paychecks mailed -XXXX Im looking to civil action lawsuit for interest remedies, and awards, violating, consumer protection. Identity theft fraud Other. Credit card. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a tremendous amount of soft inquiries on my credit report which I never authorized and have opted out for the past XXXX  years yet they continue to occur and are not removed as soft inquiries dont usually damage the consumer report but they are detrimental to mine as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am very concerned that they are negatively affecting my consumer reports and hinders my ability to access funding
Product: Debt collection

My name is XXXX XXXX and I am filing a complaint on Cawley and Bergmann. I was shocked to find on my credit a debt of XXXX in XXXX or XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to XXXX that had closed their loan offices in XXXX. When I spoke with them in XXXX, Cawley and Bergmann acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because XXXX is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid Calwely and Bergmann almost XXXX am I still required to pay more than 50 % of my loan. I read that a consumer must only be made to occur only XXXX percent of additional fees.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX XXXX {$9300.00}, XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX Balance {$300.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX Balance {$7300.00}, XXXX opened XX/XX/XXXX Acct. XXXX XXXX {$1100.00}, XXXX opened XX/XX/XXXX Acct. XXXX Balance {$1300.00}, XXXX XXXX XXXX  opened XX/XX/XXXX Acct. XXXX Balance {$2100.00}, XXXX XXXX opened XX/XX/XXXX XXXX XXXX {$3100.00}