23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed this account previously -- - each and every time they claim that they have verified and information are correct. But they had failed to properly investigate the information as I found several incomplete and inaccurate information across all 3 bureaus for this same account. 
Company said they verified -- - however, there are missing payment data for years, the date last active, date last paid, date last reported, date of status update were either missing or incorrectly, incompletely reported.They said its verified as accurate but failed to update the date last reported. In addition, there should NOT be any activity after the account is closed or charged off -- - yet some of these are incorrect, inaccurately reported. Reports also had different dates. Delete this account as Notice of disputes, date last disputed were missing, incomplete or inaccurate and not entered within 30 days of receipt -- -this account MUST BE DELETED for violation of Section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

As it is any and all credit reporting agencies like TransUnion and XXXX grave responsibility to report accurately as the banks depend on it in which they have not. ( 15 U.S. Code 1681 ( a ) ( 1 ) ) As shown on my credit file TransUnion and XXXX is reporting false names and addresses on my report. As the natural person I only have one address and one name in which any and all credit reporting agencies must only report. The name that is to be ONLY reported shall be XXXX XXXX XXXX. The address to be reported shall only be the po box only on that is reported on XXXX in which for some reason is not reported on Transunion which is further proof of inaccurate reporting. 
Per 15 U.S.C. 1681 ( e ) ( b ) a consumer reporting agency MUST prepare my consumer report with reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have clearly stated in writing that they must only report in accordance with 15 U.S. Code 1681 ( b ) ( a ) ( 2 ) as they must only report my only name and address I have. I do not go by any other name and can not and do not live, and never lived any place else than my P.O listed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX violating my rights FCRA dispute not resolved I have a right to privacy Account not mine The law states that a financial institution can not display my information or furnish information on my consumer report without permission. If I opt out, the congress states I am not to have my personal information reported. 15 USC 6802 AND 6801 B ( 2 ). 
Please remove the inaccuracies from my report immediately. Due to disclosures not being provided with my signature and MY RIGHTS TO PRIVACY the following must be removed, its the law. Without my written permission this inaccurate information must be removed.This is personal NON PUBLIC INFORMATION and to be protected according to 15 USC 6802 ( A ).
Product: Credit card or prepaid card

Made payments every month for {$400.00} at end of Month.

They charge me late fees every month for {$40.00}. Even though I make payments every single month at the same time.

They are also charging me interest on a card that wasn't supposed to be charged interest at this time.
Product: Debt collection

Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX Date : XX/XX/XXXX Bureau Nam : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.

Code 1681i ( 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 modity 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. Please remove the following items from my credit, please 1 ) Jefferson Capital SYST ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters since XX/XX/2021, and I have not received a response concerning this account ( XXXX  ) listed on my credit report. It has been over 120 days and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was young and I didn't know anything about credit, once i got older i realized that my identity was used, i was not aware of this happening. i did not know anything about credit around the time this happened and i need this to be removed because it is hindering me of obtaining credit, apartments, a car and more. I have a fraud XXXX XXXX  on my credit report that needs to come off. I contacted XXXX and keep the getting the run around!
Product: Credit card or prepaid card

My b of a prepaid debit card was somehow hacked and thousands of dollars were withdrawn from my account at b of a atm 's. Although i filed a claim for this fraud in a timely manner and have done everything b of a has asked, they still deny my claim. They stated " there us no posting error to your account. We consider this matter closed ''. I have submitted my id for verification and a police report. I have asked them 8 times to revisit my claim and they continue to deny it. I will attach a copy of the police report that shows dates, locations, and amounts of these fraudelent transactions.
Product: Credit reporting or other personal consumer reports

I called experian on XX/XX/year>, on or around XXXX XXXX  XXXX. I successfully authenticated my identity with the XXXX. I asked the automated system attendant to transfer to the membership department. The XXXX responded I can only transfer in limited circumstances. The XXXX refused to transfer me to membership then deliberately disconnected on me. This is egregious. Experian is prohibiting consumers from speaking with a membership agent. I called experian on a weekday during memberships hours of operation. How do I speak with an Experian membership agent? This is NOT a credit dispute. This is NOT a request for a credit report. Please correct your XXXX forthwith. I seek to to hold experian accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding my last complain with CFPB XXXX against Transunion .They clearly continues violating the FEDERAL CREDIT REPORTING ACT For my surprise they are asking me a verification of my current mailing because the one that I provided in my last complain with CFPB is not listed in their records. That information is totally false!! See one copy of one of the multiple letters that Transunion send me every time I ask for an  investigation and you can see clearly that is the same address that I use in my last complains with the CFPB. They are clearly dilating the issue of my last complain XXXX. I DEMAND Transunion to solve immediately the complaint XXXX and stop delaying the process
Product: Checking or savings account

On XX/XX/year> my personal belongings were stolen to include my car keys, my wallet ( including my driver 's license ), and apartment keys and credit cards were stolen. The Merchant " XXXX '' was able to pull the video footage for police to prove that it was not me nor was I responsible for any of the multiple changes that he accumulated on this particular night. SOFI Bank DID NOT do a proper investigation. SOFI bank had the claim in their possession for 1 business day before denying the entire claim with a part of the claim stating that they were in collaboration with the merchant -- - AND IN FACT NEVER EVER REACHED OUT TO THE MERCHANT. My claim was not properly investigated and needs to be properly attended to so that I can receive the funds back that were stolen from me. The attachment proves that the claim was held for a day without any proper investigation.
Product: Debt collection

XXXX XXXX XXXX  for XXXXaccont number is XXXX by pro collect, inc .address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX.this is wrong report .please remove it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to bring to your attention, once again, that XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within 5 business days that you put the account back.

Provide me a written notice including : > A statement saying the disputed information is back.

> The name and address of the company that gave you the information, and their phone number if available.

> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX EQUIFAX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX  I expect a prompt resolution to prevent further damage to my credit profile. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are a list of Hard Inquires not authorized by me and without my knowledge XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/NELN # XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX 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 of 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 XXXX  account number XXXX XXXX  that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for Experian it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Product: Mortgage

On XX/XX/XXXX, I called my mortgage company to ask them to stop paying my local real estate taxes out of my escrow account because I was doing that now. 

On XX/XX/XXXX, my mortgage company paid my real estate taxes anyway, {$2000.00}. On XX/XX/XXXX, I closed my escrow account so they wouldn't pay any of taxes again. 

I then had to fight with my City to refund the extra tax payment. They did so by sending a check to my mortgage company on XX/XX/XXXX. XXXX. ( see e-mail confirming that ) So, I then started calling my mortgage company to get those funds. Each call lasted between 15 and 25 minutes. At each call I asked them to call my cell phone if there were any problems with my request. 

XX/XX/XXXX : they said they received the check but have not yet processed it. 
XX/XX/XXXX : same story XX/XX/XXXX : they have received it and will process my request XX/XX/XXXX : I was told there was a problem because the funds were deposited into a non-existent escrow account, so another procedure had to be started. And they would expedite my request and I should get it in a week. 
XX/XX/XXXX : I was told that it takes two weeks to process the request, so it should be done in another week. 
XX/XX/XXXX : I was told they sent me a e-mail on XX/XX/XXXX with some questions they needed answered. But I did not receive such an e-mail, but what are the questions and I will answer them. They said they didn't know, but they offered to start the process anew. 
XX/XX/XXXX : I called to tell them I was contacting my state Attorney General. 

My state attorney general said to file a complaint with the CFPB, so here I am.
Product: Checking or savings account

On two separate occasions my personal savings account has been locked, without my consent or notification by Chase Bank for fraud claims made by a family member. First occasion was on or around XX/XX/2022 and the most recent event was on or around XX/XX/2022. Both times I was advised that my father who is a terminally ill XXXX and XXXX patient, for whom I am the XXXX  for and have Power Of Attorney of both Medical and Financial concerns, contacted a branch for unknown reasons and subsequently a fraud investigation was opened. On the first occasion I was able to have the matter remedied after numerous calls and visits to my local branch. My account was then locked again without my knowledge and I was directed, again to a fraud investigator, whom would not supply me with her full name, office location, case number, email address or any other information verifying who she was. She made unfounded accusations towards me concerning the care and wellbeing of my father. She repeatedly stated the reasoning that he claimed I had stolen his money and notified me that I had to provide her proof of how and why I spend my own personal funds. I repeatedly asked for her to give me her supervisors name and information, to which she refused and became agitated when I kept insisting. She told me that until I provide her proof of my fathers condition that my account would remain locked. I am embarrassed, appalled and infuriated that my morals, motivations and reputation is being called into question by a nameless, faceless representative of this bank and that I am unable to have a say in the matter. I can provide full proof of my fathers condition, my POA 's but I feel that these are unnecessary steps to reclaim what is rightfully my funds and that were improperly withheld from me. I expect a full reversal of the closure as well as a written explanation and apology from this representative as well as the supervisors over her.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, XXXX XXXX XXXX reported a XXXX collection to my equifax and experian and it is not correct and not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed my police report and identity theft affidavit on XXXX XXXX, XXXX, indicating unauthorized credit inquiries on my credit report. I am aware that the credit bureaus have 4 days to block and remove fraudulent information. They have not complied with the law on removing the fraudulent information and addresses. I contacted CFPB on XXXX/XXXX/XXXX requesting for issue to be resolved. The issue was not resolved. I need my request to be handled and the inquiries and other info listed on report and affidavit to be removed.
Product: Credit card or prepaid card

I called on the XXXX of XXXX to report my card missing. I paid for the 2 day shipping and didn't get the card until the XXXX. I was charged {$13.00}. I requested a refund as the card took as long as it would have taken to mail it. I have called 3 times with no resolution, in fact the last rep, I dealt with told me I needed to call fed ex, ( It was sent XXXX ), to see what happened. I explained that I was not the customer, having no input as to what company they used to send the card, and that although I was a Direct Express customer, Direct Express was the customer of XXXX, making that Direct Expresses responsibility. Since my two day service took 5 days I feel that they need to refund my {$13.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute inaccurate information that is currently being reported in my credit report by your agency. I believe that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) are being violated due to the presence of late payments on my credit report for the following accounts : ACCOUNT NAME- XXXX  ACCOUNT NUMBER- XXXX INACCURATE LATE PAYMENT REMARKS DATE- XX/XX/2023 Late 30 days, XX/XX/2023 Late 30 days The inaccuracies stem from a violation of several key provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section of the law asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : It is my understanding that a consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section explicitly excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report.

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision.

Given the clear violations of my rights under the Fair Credit Reporting Act, I request that you take immediate action to correct these inaccuracies in my credit report. Specifically, I demand that all late payments for the accounts mentioned above be updated to " Paid as Agreed/Never Late '' without delay.

Please investigate this matter promptly and provide me with written confirmation of the corrections made to my credit report. I understand that you have 30 days from the receipt of this letter to complete your investigation, as mandated by the Fair Credit Reporting Act.

Failure to take corrective action within the stipulated time frame will leave me with no choice but to pursue legal actions to protect my rights under federal law. I trust that it will not come to that, and your agency will promptly rectify these inaccuracies.

I appreciate your immediate attention to this matter and look forward to a swift resolution. You may contact me at the phone number or email address provided above should you require any additional information. 

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

All my info been stolen and I need it clear from a national data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I noticed back in 2017 I had no inquiries and now when I check my credit report they have reappeared back on there, which has caused my credit score to drop. That is a violation of the FCRA and are inaccurate and invalid.
Product: Debt collection

On XX/XX/XXXX I sent a notice, via certified mail, to Portfolio Recovery Associates, that their claim for a collections account, with a balance of XXXX is formally disputed.
I requested validation of the debit, pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with local state laws, requesting " validation, " that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay them.
On XX/XX/XXXX Portfolio Recovery Associates sent me a letter titled Verification Information Concerning Portfolio Recovery Associates with an account number, and some additional irrelevant information, but nothing bearing my signature as requested.
On XX/XX/XXXX, I sent a second certified letter to Portfolio Recovery Associates, once again, requesting them to send me a copy of any viable evidence, bearing my signature showing the account is reporting accurately and that I have a binding contractual obligation to pay them the alleged amount.
I also requested the name, address, and telephone number of each person who personally verified this alleged account.
On XX/XX/XXXX Portfolio Recovery Associates sent me the same exact letter they sent me the first time. Once again, they have failed to provide any documents bearing my signature.
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They are in violation of the Fair Debt Collections Act and the Fair Credit Reporting Act.
Also defamation of character and negligent enablement of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the FAIR CREDIT REPORTING ACT XXXX XXXXXXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!