23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

in XX/XX/XXXX, roughly XXXX of the month, XXXXXXXX XXXX XXXX in XXXX  was contatcted to come diagnose my air conditioner, and recommended replacing both furnace and ac unit XXXX financing was offered, and approved BEFORE unit was installed. unit was delivered and installed next day. 

We were told wed receive a bill, and card for future use. I bill Finally arrived XX/XX/XXXX, with a due date of XX/XX/XXXX. Around the XXXX of XXXX, until the XXXX of XXXX I received DAILY calls, 4 times a day requesting payment for a bill, I had never received. The bill was paid, XX/XX/XXXX, in the amount of XXXX again paid XX/XX/XXXX, for anothjer XXXX again XX/XX/XXXX, for another XXXX. I have received XXXX calls in 4 days for a account that was paid, and on XX/XX/XXXX a synchrony bank customer service clown acknowledged was PAID, and no paymeny due until XXXX was also told a late fee was removed and id receive no further calls. 

today is XX/XX/XXXX, and ive gotten XXXX calls today already for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated ( XXXX XXXX XXXX Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$540.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, Equifax had a security breach that has put my personal data, as well as the data of millions of Americans, at risk. In addition, prior to making the data breach known to the public, several executive leaders of the aforementioned company sold millions of dollars in company shares, which is the textbook definition of insider trading.
Product: Credit reporting

Previously deleted inquiries were added back without notifying me in writing, that is against the law per FCRA SECTION 611. Please remove all inquiries.
Product: Credit card or prepaid card

Come its Bank deposited my payment of {$310.00} on XX/XX/22 and never applied it to my account. Have written and spoke to several supervisors and the person not answer Im getting is it takes up to ninety days. Meanwhile they are charging me interest and late charges on the disputed amount. And the have my account in past due status because another supervisor told I dont have to pay on the disputed balance. A supervisor told me the only no to get a late charge is to pay the minimum. The {$310.00} will pay the balance off if I pay them Ill end up with a credit balance. 
Comenity Bank XXXX XXXX XXXX XXXX Oh XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me finding unverifiable, Invalidated, Inaccurate, and questionable items that the agency didn't make sure it was reporting 100 % correct. On XX/XX/2017 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " they do not report bankruptcies to anyone. " So if that's the case.How did the credit bureaus verify the bankruptcy as 100 % accurate. they never did a fair investigation to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information consumer '' s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, his information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous times.

the credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXX XXXX
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. 
XXXX # XXXX XXXX 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

XXXX, an online retailer, has me opening a XXXX Credit Card XX/XX/XXXX and closed XX/XX/XXXX. They also have an account with my name on it XX/XX/XXXX and closed XX/XX/XXXX. I have never charged on this account as I have never had a card. I have called the company to have them delete a wrong account a few times and they said they would, but they have'nt I've called their home office XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is XXXX. I also want to know why my scores are different from each report. I call and no one can tell me why my points dropped.
Product: Credit card

On XX/XX/2024, I sent a formal letter to DISCOVER disputing a credit balance error on my credit card statement dated XX/XX/2024 XX/XX/2024, in accordance with 15 USC 1666B ( 1 ). Despite my attempts to resolve this matter, DISCOVER has failed to acknowledge or correct the error. Additionally, I have sent two follow-up letters, most recently on XX/XX/2024, and have not received any response. DISCOVER sent a DEMAND FOR PAYMENT OF DEBT letter to me via U.S. Mail, which I believe contains false and misleading statements designed to defraud me, in violation of 18 USC 1341. I requested proof of the services performed and documentation to support their claim, but DISCOVER has not provided any such proof. DISCOVERs continued refusal to respond to my lawful billing dispute and its failure to produce the necessary documentation raises concerns of trust malfeasance. As a consumer, I relied on DISCOVER to act in good faith and fulfill their obligations under federal law. Their inaction demonstrates a breach of trust and fiduciary responsibility, especially given the substantial financial implications. DISCOVERs actions, or lack thereof, appear to violate multiple federal laws : 1. 15 USC 1666B ( 1 ) : The Fair Credit Billing Act requires creditors to acknowledge a billing dispute within 30 days and resolve the issue within two billing cycles ( but no more than 90 days ). DISCOVER has failed to meet these obligations.

2. 18 USC 1341 : DISCOVER may have committed mail fraud by sending a fraudulent demand for payment through the U.S. Postal Service, which includes misleading information designed to collect an improper debt.

3. 15 USC 1666d : I am not liable for the disputed amount during the investigation, yet DISCOVER has not responded to my requests, and I am concerned about potential negative impacts on my credit.

4. Trust Malfeasance : DISCOVER has violated the trust relationship between creditor and consumer by not acting in good faith to resolve my dispute. Their failure to provide supporting documentation and their lack of communication further suggest intentional malfeasance.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report from XXXX, TransUnion and XXXX and noticed collections that need to be immediately DELETED. They are as follows : XXXX XXXX XXXX XXXX XXXX PLEASE DO NOT SEND ME A COMPUTER-GENERATED RESPONSE LETTER AS THAT WOULD BE YET ANOTHER DIRECT VIOLATION OF THE FCRA. 



XXXX has violated my consumer rights and violated federal law and violated MY RIGHT TO PRIVACY which is clearly outlined in 15 USC 1681A ( 4 ) of the Fair Credit Reporting Act.

I ALSO have proof of violations in 15 USC 1681B ( 2 ), which is noted below, 15 USC 1681B ( 2 ) - PERMISSABLE PURPOSE of consumer reports, THE LAW CLEARY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates.

I DID NOT give your agency written authorization or written instructions to report this information.

YOU have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated IDENTITY THEFT In using my information illegally/without consent and I've sustained defamation of character just to name a couple damages should this matter escalate to court. 

XXXX XXXX AND XXXX that is reporting the collection, has violated my consumer right as well, noted within 15 USC 6802, as you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now.

Continuing to report these erroneous accounts would constitute willful noncompliance and a direct violation of 15 USC 1681n as well.

You have 14 days to respond to upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from my credit reports and also mail me a new copy of my report or I will be seeking legal counsel against your agency for these damages. 
Please note that this is an attempt to settle this matter privately
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$830.00} XXXXXXXX XXXX XXXX  Inquired on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XX/XX/2023 : XXXXXXXX XXXX XXXXXXXX XX/XX/2023 :
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts ya that are inaccurate XXXX XXXX XXXX Opened XX/XX/XXXX {$55.00} XXXX XXXX Opened XX/XX/XXXX {$330.00} XXXX XXXX XXXX  Opened XX/XX/XXXX {$1100.00} XXXX XXXXXXXX Opened XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a glitch in their system that is showing a closed account that has been in good standing now reflecting as a closed charge off and also duplicated. It shows twice as if it is two charge off collections. It has never been in collections nor was it ever a charge off. The account was closed after 4-5 months of failing to report timely zero balances that kept my score from rising. XXXX trust had no explanation nor understood why it was happening. That is another story. XXXX XXXX has confirmed that they have already reached out to all the Bureaus to advise them about the glitch. When I contacted XXXX XXXX weeks back they informed me that they will add me to the dispute. After a couple of weeks with no changes I called again to request a statement from XXXX XXXX so that I can speed up things on my end. They sent me the attached statement so that I could use for my reasons. I see no room for rebutting or investigating outside of verifying the branch, number and personnel listed in the document to reach directly and request whatever is needed from them. Account # XXXX. This account should be corrected immediately with the no late payments and no balance owed and can be confirmed with simply directly reaching out to the branch and speaking to anyone with access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello back in 2019 I submitted identity theft report in 2019, I had my identity and info compromised not once but twice but twice when the Equifax breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout covidXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am one of the backbones of this country XXXX XXXX XXXX and I have gotten no respect, from anyone, this has brought me to XXXX XXXX XXXX I have documented proof of my depleting, mental health!!! filed two police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Capital One card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXXXXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and XXXX reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
Product: Debt collection

I have been disputing this account for some time now with INNOVATIVE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Checking or savings account

XXXX XXXX XX/XX/XXXX Fraud Accounts opened using my SSN TD Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - received notice from TD Bank that an account under my name was overdrawn. This is not my account, opened using my stolen SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived with groups of friends in XXXX XXXX  and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding a number of disputes to the XXXX, Experian and XXXX consumer reporting agencies concerning an improperly reported XXXX XXXX XXXX collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to XXXX. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.