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

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ TRANSUNION ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

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

I recently checked my credit report and saw accounts reporting that I do not recognize. I had to file an identity report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : DPT ED/XXXX Account Number : XXXX
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. 

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 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 or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit card

I received Fraud alert from XXXX stating I had a delinquent account. I pulled my credit report to see a Barclays credit card that I never applied for. I immediately called Barclays who stated it was clearly fraud since they had my wrong address and date of birth. I also immediately notified all three credit bureaus. I just got a call from Barclays stating that their investigation revealed the account was mine because it was used to transfer balances from a XXXX account in my name. I HAVE NEVER had a XXXX account. They gave me the XXXX account number in question and XXXX has confirmed that this account has never been in my name nor have they EVER had an account in my name. Barclays has been completely negligent in allowing this account to be opened in my name without even verifying my current address or date of birth and are now causing me undue XXXX with their lies and incompetent investigating. A simple credit report proves I have never had a XXXX account.
Product: Credit card or prepaid card

I stopped by XXXX in XXXX of XX/XX/2023 and purchases a shirt with a XXXX $ amount, the cashier person was too insist to issuing me a credit card with no annual fees, I did reject XXXX times by that time he request my ID to see if I am eligible for the credit when I knew that the Id is for this process I request my ID back and refused of any kind for such activity, after that date I start receiving a " pre-approval '' mails to my mailbox every XXXX week and when I open the mail it says " you have pre approved for the credit card and register now if you want and if you don't just ignore this mail you have till XXXX XXXX '' which I did reject the mail and not signed up or didn't do any actions. At the end of XX/XX/XXXX I received a notification that I am using all the credit on the card, I was shocked I did reach out to my bank to the police department stations near me and I did explain everything and the card issuer stooped the card. The issuing company for the card told me that the thief purchases with XXXX $ was buying a furniture! 

How can I received a credit card I didn't request and how can someone received the card on my behalf and open the mail.? 
I did not receive the card and I did not receive any notifications or email or anything! 

How can someone use a credit card under my name and verify it and use it! 

The company called the furniture shop that the thief purchase from and they did reply '' we don't use any CCTV ''.!!! 

How can Marshals group hire some cashier that is not capable of and provide a false information and lied to the customer. 

Fortunately I have my receipt with XXXX $ and the paper from the cashier that she did signed it with her hands and she was asking me for a good survey and her name also.
Product: Credit reporting or other personal consumer reports

I did not approve this inquiry, nor did I have any conversation with this lender on the given date.
Product: Debt collection

XXXX reported two collections from Affirm Inc. one for the amount of {$480.00} and the second one for {$280.00}. I filed a dispute and contacted Affirm Inc to get some information on the matter. I provided Affirm Inc with all my information but they couldnt find any accounts under my name or find me in their files. I also explained to them the reason of my call and they told me they would take care of the matter since there was no record at all. Two weeks later XXXX sent me the dispute results but Affirm Inc didnt remove the collections. I submitted another dispute, called Affirm Inc again and did the same process for the second time with the same results. XXXX sent the dispute results ( again ) but Affirm Inc didnt remove the collections for the second time even tho they couldnt find me in their system. Today XXXX the XXXX early in the morning I filed the third dispute as fraud helped over the phone by an XXXX representative, called Affirm Inc for the third time and was told the same answer, ( no accounts in their system ). At the end of the day XXXX already contacted with a result and still showing the collections confirming that Affirm Inc is saying that the information they have is accurate, but when I call them they cant find any accounts under my name. The accounts show no first payment or any payments at all, it only shows the amounts and a day apart. All calls were recorded so itll be easy to collaborate my statement.
Product: Credit reporting

credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my XXXX removed from all 3 credit bureaus, as i have spoken with all 3 credit bureaus, and they respond with the statement " we have validated this XXXX XXXX with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
Product: Vehicle loan or lease

On XX/XX/2023 XXXX  was added to my account, without notice and I was assualted and detained by NSA officers ( irrationally ) in XXXX - XX/XX/2023. I started receiving late payment charges on XX/XX/2023. A check was returned to the issuing bank when depositing money into my PenFed XXXX XXXX ( XXXX ) account on XX/XX/2023. The check cleared when I made the mobile deposit on XX/XX/2023. I made another deposit on XX/XX/2023, and the funds are reflected as available ( except when I try to make a car loan payment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called to Equifax many times over the last 2 years with only 1 response. I recieved a response stating the way that they accept disputes which is the same email address they responded from. My issue has to do with their scoring process not a creditor, but Equifax themselves, they've no category for issues directly related to them. While reviewing my credit report I noticed a vast difference ( 30+ points ) between XXXX  and Equifax after a line by line comparison I noticed disputes I'd filed and won were not reflected in the score which a successful dispute is supposed to yield upwards of 25 points. inquiries that were done on the same day while car shopping, were not counted as a single inquiry but as 25 individual inquiries from 2 dealerships on the same day. An XXXX point score drop for no apparent reason when showing positive activity was occurring in the same update. Score increase notifications of 1 point but the 1 point is never reflected in the scoring example beging score XXXX, score after increase XXXX. Next reporting stated on time payments but in the same reporting a XXXX point decrease to XXXX but says " No Change ''. That's just a sampling of anomalous activity. Disputes won but not removed. Duplicate creditors. My Equifax score is XXXX points lower than XXXX  score with less information showing disputes on time payments and all what is supposed to be there. My most recent submission to Equifax was on XX/XX/19 no response. Again their dispute system is geared for complaints about creditors but not they themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I have recently requested that Equifax provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged XXXX XXXX in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. Recently XXXX agreed that they can not verify the information and have deleted the reported information from my credit report. 

Equifax indicated that they verified the Dispute with XXXX, and XXXX. XXXX deleted the information, and I am attaching their reply. XXXX has until XX/XX/2021 to complete their investigation. 

I also provided a copy of a letter From the XXXX Bankruptcy XXXX XXXX Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

Equifax received the complaint on XX/XX/2021 and indicated that they finished their review on XX/XX/2021 ( case # XXXX ). On XX/XX/2021 case # XXXX disputed the findings, and offered up that XXXX still validated the information, this case was closed on XX/XX/2021. How much investigation was made? They did NOT contact the source of the invalid information, XXXX. 

Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

Equifax has failed to respond to the requested action with the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the Small Business Administration initiated a hard inquiry on on my personal credit report. This inquiry was not authorized as I was applying for grants that were being made available to small businesses due to COVID. This inquiry was not authorized and I request that it be deleted from my Experian credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining through the Bureau because Transunion LLC has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified Transunion and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can Transunion show me any error they have found, in writing. I request that.

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them.

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. Transunion has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 Transunion wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.
Product: Checking or savings account

It is completely unethical for banking institutions such as XXXX XXXX and Chase Bank, two banking institutions that I both use to have egregious fees associated with not having enough money in your checking account on a daily basis. Most people right now are living PAYCHECK TO PAYCHECK. I am being charged {$25.00} a month because I am not able to maintain a starting daily balance of {$15000.00} in my checking account. The lowest option for Chase bank is to have a daily starting balance of {$1500.00}. What happens when I need to pay my bills? I would love to have an extra {$1500.00} to just sit in my bank account doing nothing, but unfortunately I like many others do not have that luxury. To be punishing people for being poor by making them pay more money is horrific and extremely immoral. These banking institutions are continuously bailed out by the government any time they need. I am disgusted.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA, Account # XXXX Is reporting inaccurate information on my credit report, FCRA Law states Furnisher 's must report accurate information with all credit bureaus. Please remove or delete account INACCURACIES 1.BALANCE 2.LAST PAYMENT REPORTED 3.LAST DATE ACTIVE 4.PAYMENT STATUS
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account XXXX has violated my rights XXXX Or a 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

IDENTIFICATION NUMBER is I disputed 2 items on my account, and of course you sided with them?? Please have them PRODUCE INFORMATION FROM MY FILE that indicates I've done business with them. I sincerely have never heard of either one of them?? 
XXXX XXXX XXXX XXXX XXXX {$0.00} - - - Dispute PENN CREDIT CORP XXXX {$1200.00} - - - Dispute
Product: Credit card or prepaid card

I opened an American Express XXXX XXXX card that I've had since it first came out in XXXX of XXXX. This card came with an anual fee of {$450.00} which I paid in XXXX, XXXX and again in XXXX, XXXX. The last anual fee covers the benefits until XX/XX/XXXX. American Express has decided to cancel this card without notifying me and for no good reason XXXX no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.
Product: Debt collection

This is a stand-alone complaint, not directly connected to a previous complaint, as this concerns the company in question claiming to be a XXXX DEBT COLLECTOR XXXX, while not being licensed as such, per the State of Florida, Office of Financial Regulation . 
On XX/XX/2022, I received a letter, dated XX/XX/2022, where the afore-mentioned Service Financial Company , LLC indicates that they are a properly and duly licensed Consumer / Business Debt Collector . I have retained proof to attach. 
I just ( XXXX around noontime ) did a search for such and all licensing of Service Financial Company, LLC : NONE found via the online search, not even for any license, as best I could search.

Because of this lack of proper licensing, I feel and believe that I, an elderly XXXX Veteran, have been the attempted victim of unscrupulous and questionable actions and behaviors from this supposed FHA TITLE I lender. 
I am not sure whether their letter is a threat, but it sure does feel like such, as I never authorized any XXXX submitted payment that would have been rejected due to Insufficient Funds XXXX, as that letter indicates. 
At worst, I feel that by their submitting such a request for my account payoff that the company has tried to impersonate me, which I believe is against the Florida Statutes, Title XLVI, Chapter 817, in many ways or points and using such to attempt to XXXX force XXXX ( as described by many legal sites ) me in such fashion appears to be a concerted effort, not unlike XXXX organized crime XXXX, by the very definition.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit that are reporting inaccurately.

1. XXXXXXXX XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3.  XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a " medical Debt '' from Eastern accounts on both my Equifax and XXXX reports, I was FULLY insured and proof of such is being uploaded into this dispute!!!! 

How can you justify billing ME and not collecting from my insurance? pure laziness!!!!!! 

They love to throw around that the debt is " Valid '' well lets see PROOF of that not just your lying word that its so called " Valid '' because here is MY proof that I was not only insured BUT that the medical visit was 100 % covered by my insurance company. 

It's far too easy these days for these companies to scam and try to collect, " We find it valid '' WELL OF COURSE YOU DO!!!!!!!! no one thinks its a conflict of interest? THEY do the investigating? ohh well you mean they found it valid? no? you don't say!! 

WELL LETS SEE PROOF!!!!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX To : VANCE AND HUFFMAN LLC Dear Vance and Huffman LLC I am writing in response to your recent communication regarding the alleged debt referenced above. I request that you validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1.The amount of the debt you claim I owe.

2.The name of the creditor to whom the debt is currently owed.

3.A detailed statement showing the charges and payments on this account, including the date the debt was incurred and the original amount.

3.Documentation proving that you have the legal right to collect this debt ( such as a signed agreement or contract ).

4.A copy of the judgment, if applicable. 
Until I receive this verification, I will consider the debt in question to be disputed. I also request that you cease any further collection efforts until you provide the requested documentation. 

Please be aware that I am exercising my right to dispute this debt under the FDCPA. Should you fail to provide the necessary documentation within 30 days of receipt of this letter, I expect this debt to be considered invalid, and I request that you cease reporting it to the credit bureaus. 

Thank you for your prompt attention to this matter. I look forward to your response. 

XXXX XXXX