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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/1995 Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration. 
Again, I reject the arbitration clause in the Equifax interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sending this complaint once more, I am presenting this to make sure that the items in this complaint were DELETED from my credit reports. I have sent a complaint dated XX/XX/XXXX, and I stated that I need these items removed from my credit reports. Today was no different, I am doing a follow up as to make sure that these harmful items will be removed from my credit reports. Requesting the XXXX and TransUnion Bureaus to please see these remaining items that needed to be removed : 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 XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, while checking my email, I noticed that I received an email from Chime that a purchase was denied at XXXX. I then checked my account through the app on my phone and noticed several transactions that I didn't do or authorize anyone to do. I promptly called Chime and notified them of the fraudulent activity on my account. The rep asked me some questions and said he would start an investigation. In the meantime, I called all of the merchants who all said they had security videos of the transactions. I filed a police report, then went home to wait for Chime to get back to me. When they did, they stated they were denying my claims because the stores the person or persons went to, I also went to often, like XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX stores. Well, I went to XXXX XXXX and asked for a copy of the receipt and I noticed the person used their phone number to get the discounts for some of the purchases and on the copy of the receipt they gave me had a phone number and the name XXXX XXXX. So that is the person who had used my card without my permission. Chime is still denying me the return of my money. I don't give my cards to anyone or authorize anyone to use my cards or make transactions. Also, Chime is falsely saying they were debit purchases and they weren't. They were all credit purchases which don't require a pin number. They also stated I had put deposits in the account saying I anticipated the money. However, the deposits were for 3 accounts that get auto debited from my account, which all bounced. There were 7 transactions in total. 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$14.00}. 2. XXXX XXXX XXXX on XX/XX/XXXX for {$36.00}. 3. XXXX on XX/XX/XXXX for {$140.00}. 4. XXXX XXXX on XX/XX/XXXX for {$21.00}. 5 and 6. XXXX twice on XX/XX/XXXX for {$13.00} and {$5.00}. 7. on XX/XX/XXXX for {$35.00}. Not to mention the 3 auto debit accounts which bounced and was charged {$29.00} for each one. I have more documents but I have to go through my emails and can provide them at a later date when I have all of the paperwork together. I'm still waiting to see actual proof that i made the transactions.
Product: Credit reporting or other personal consumer reports

I had ran into a rough patch I fell behind on my Capital One Account I called them they told me if I paid them in full it would report as PAID AS AGREED SO I PAID IN FULL. They did not keep the agreement because it's reporting as a CHARGE OFF This should be inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C 1681 and exercising my rights as a consumer I have filed a dispute of information in my consumer credit report with the Experian credit reporting agency on XXXX XXXX XXXX requesting verification of the information about bankruptcy in my file. 

According to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) in case of receiving a dispute from the consumer a credit reporting agency should 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. 

According to 15 U.S.C 1681i ( c ) whenever a statement of a dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer Instead of that on XX/XX/ Experian sent me an email saying that for some reason they think that my letter might had come not from me and suggesting to submit a dispute via their website of by phone, violating my rights to file disputes in writing and to keep a paper trail of all communication with the bureau.

According to 15 U.S.C 1681i ( a ) ( 3 ) in case of the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant it should notify the consumer of such determination not later than 5 business days after making such determination, by mail and include the reasons for such determination and identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

The email from Experian did not contained such information, and can not be counted as an official notice under 15 U.S.C 1681i ( a ) ( 3 ) as it was not made in writing, so I sent them another letter on XX/XX/ where I reminded the credit reporting agency of their responsibility to perform an investigation in time. 

After not receiving any other communication from Experian, on XXXX XXXX XXXX  I sent them another letter with demand to delete the disputed information as they failed to verify it in time. 

The note of information being disputed by consumer was never added to my file. 
As a result, I believe that the Experian credit reporting agency violated my consumer rights under the Fair Credit Reporting Act multiple times. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Experian complies with all consumer rights under the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below. 

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

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

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against USAA regarding numerous violations associated with my consumer auto loan. My experiences with USAA have been marked by deceptive practices and factual inaccuracies that have significantly impacted my financial standing and overall confidence in their services. 

Background of the Complaint I had an auto loan with USAA that was charged off several years ago. Since that time, I have received multiple refund checks from USAA for payments made on my account. However, these checks were issued long after the loan was charged off, raising concerns about the handling and crediting of my payments during the life of the loan. 
Deceptive Practices and Unfactual Responses Lack of Access to Information : USAA claims to have sent me documents regarding changes to my consumer loan ; however, they deceptively removed my online access. Despite my repeated requests, they failed to physically send me any documents, statements, or loan documents of any kind until after the loan was charged off. They only provided documents via XXXX, which I was barred from accessing. 

XXXX XXXX XXXX : USAA has claimed that they refuse to conduct further business with me, yet I continue to receive requests to apply for new credit cards. This inconsistency raises serious doubts about their stated intentions and business practices. 

Refunds for Misapplied Payments : USAA has sent me refunds related to my auto loan and credit cards, which they mishandled. They failed to properly apply payments, mishandled disputes, and did not honor the final results of their fraud investigations. The numerous refund checks I received years after closing my accounts indicate that USAA was at fault, despite their accusations against me of improper actions. 

Request for Investigation Given the circumstances described above, I am requesting that the Consumer Financial Protection Bureau investigate USAA 's practices in managing my auto loan account. I believe that their actions may violate consumer protection laws and regulations designed to ensure fair and transparent lending practices. 

Conclusion I appreciate your attention to this matter and hope that your investigation will help ensure that USAA adheres to the legal and ethical standards expected of financial institutions. If you require any additional information or documentation to support my complaint, please do not hesitate to contact me. 

Thank you for your assistance in addressing this important issue.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I review my credit reports from " The Big 3 ''. No problem with XXXX. No problem with XXXX. Once again, Experian is being a nightmare. For the past 10 years Experian has made me send, then resend the same information. XXXX  identified me by phone- no issues at all good for them. XXXX  did it by writing- no issues, and they accepted my drivers license, my bills, my Veterans Identification card, and my Government XXXX XXXX card. In other words I wanted to PREVENT exactly what's happened. Once again- I get my yearly " Sorry, please re-submit the information requested '' that I already sent them. Worse- I returned it to the address given ( Tracking number XXXX ) to their XXXX , GA location zip code XXXX and they LOST THE DATA THEY REQUESTED! 

I am NOT willing to send that information out again- not after they've lost it once!
Product: Debt collection

Regarding Account Number : XXXX Dear Discover Bank, this letter is a 3rd attempt to my initial dispute regarding the inaccurate information you have reported on my credit file. I have received a packet of previous payments, but not an adequate response. In addition to, the reporting remains inaccurate and unsubstantiated, continuing to damage my character. You stated that A Form 1099-C has not been issued and we are unable to honor your request to issue one. If the account isn't charged off and is valid, how is it being reported AS A CHARGE OFF/ CLOSED ACCOUNT with continual updates!? Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), you are prohibited from furnishing information to any consumer reporting agency if you know or have reasonable cause to believe that the information is inaccurate.

Account Correction or Removal : If you can not provide verification of the disputed information, I expect you to promptly correct all late payments and update to paid in full or REMOVE this inaccurate reporting from my file.

15 US.C 1681 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; When a creditor reports a payment as late, the creditor is reporting the experience between the consumer and the creditor. A payment history comes from the transactions. You can not have a payment history without transactions. However, if there is no transaction, how can a creditor report a payment as late when the transactions and the experiences between the consumer and person/cooperation making the report is EXCLUDED from the consumer report? This is FRAUD. You are reporting information that is EXCLUDED from the consumer report.

Despite my previous 2 request for verification, no substantive proof of accuracy has been provided. As such, I am now requesting and demanding a detailed description of the procedures you used to verify the accuracy of the disputed information. Request for Verification Procedures This account is indeed inaccurate. I am specifically requesting a full and detailed description of the steps you took to verify the disputed information, as required under federal law.

Furthermore, a furnisher must have proof of a transaction being late by : 15 U.S. Code 1666 ( a ) - Timing of payments The notice has to be sent 21 days BEFORE the late payment due date Section 1637b has to be included in that notice It has to be mailed or delivered to the consumer ( The letter you sent in response, showed 6 late payments later. I did not receive any of these requirements via mail. ) If these requirements are not met, XXXX, XXXX, XXXX can not furnish a late payment, because a payment can only be considered as late under THESE circumstances. 

Thank you for your immediate attention. I expect a full and compliant response within 15 days of receiving this letter.
Product: Mortgage

I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is missing the full 100 % verifiable information of a phone number and an address. NO CONTACT INFORMATION WAS ON THERE SO WHO VERIFIED AND VALIDATED THIS INQUIRY?! ATTACHED IS A SCREENSHOT OF THIS COMPANIES Deceptive marketing strategies and proof that they are not following the laws of FCRA. This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 


Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this  violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

I filed for unemployment and I have not received a card. Im assuming because I had a cards years ago but can not find it. Noway to get a person on the phone to order one. XXXX does not allow me to go through without the actual card number. Whom which I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX  HAS XXXX XXXX XXXX and mortgage fraud and identity fraud. XXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Debt collection

I.C.Systems Inc has a debt for XXXX dollars that XXXX XXXX has for XXXX dollars that XXXX has for XXXX dollars all 3 company 's are trying to collect this debt none respond to validate debt yet the dispute I have filed was not completed all remain on credit reports.
Product: Credit card

I have requested a lower APR from Capital One three times and continue to be turned down. Capital One continues to keep me at what is considered a penalty rate.