23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bridgecrest didn't respond in a timely manner nor did they send the debt validation that I requested via mail on XX/XX/2022. The first time they reached out to me was when they received the complaint from the Consumer Finance Bureau and told me that they responded to the letter to validate the debt and that I would receive an email of the information I requested within seven days. Bridgecrest also tried to obtain information that they already stated that they had validated. I sent a validation letter prior to them sending an email with a settlement request with the wrong name on it.
Product: Credit reporting or other personal consumer reports

Someone reported my address as a mix of both of my addresses XXXX XXXX XXXX XXXX XXXX Correct 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 just ran my credit randomly and I didnt apply for anything That made my credit drop not cool at all
Product: Debt collection

Two law offices are currently threatening to sue me for the same debt. I have been receiving letters from both Harris and Zide and XXXX XXXX XXXX for the same debt. They are both threatening lawsuits against me. My understanding is that two debt collection companies can not be trying to collect the same debt at the same time.
Product: Debt collection

This was deleted from my account awhile back because they didnt provide me with all the information that was needed such as me hippa transcript and my hipaa rights has been violated so delete this immediately and Avante is a debt buyer that bought this debt but didnt suppose to even buy a deleted account so please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two complaints with TransUnion - XXXX and XXXX. Initially this issue was corrected but then reverted back and TransUnion has provided an unsatisfactory explanation. All payments to XXXX XXXX were made on time. They have made a mistake and TransUnion is obliged to remove the late payment and ask XXXX XXXX for evidence of the late payment. My evidence of all payments are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off accounts listed below. 
-BK OF AMER # XXXX -BK OF AMER # XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Debt collection

there is a collection account found on my credit report and i have no idea about it and i wasnt given a chance to remedy the situation before hand. i have no idea of this account and i did contacted the credit bureaus and was told the account was verified but i was not given any method of verification even though i requested it on numerous occasion this is damaging my character. i want to find out more info so if it belongs i can remedy the situation. but as it stands my reputation is being damage. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to acknowledge CFPB complaints ; they insist on consumers such as myself submitting disputes directly on their website. A website where youll be met with various error codes preventing you from submitting your dispute. They are in violation of my rights under the FCRA! According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. This has effected me from buying a house
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX  account. I have been a resident at this address for XXXX years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in 2022 out of nowhere. Remove this item from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters since XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business XXXX XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.
Product: Mortgage

Actually Im just trying to get information about my current loan. I need them to send me a mortgage note that Ive been requesting daily on their website and no response. Ive been on the phone for over 3 hours today trying to get a live person. Got one finally and hung up when I asked to speak to a supervisor since their delay in providing me with my documents are causing me to not be able to get a home equity loan from another bank.
Product: Checking or savings account

On XX/XX/23 I received a notification that my XXXX account had been hacked. I did a web search for a phone number for XXXX and made the call. I spoke with someone who had my XXXX information and they confirmed that yes I had been hacked. I was told not to worry that they would be able to fix the problem. They explained that someone had made 4 purchases in marketplace on XXXX, the amounts were in the amount of $ XXXX {$490.00}. They gave me an email address and began to instruct me on using XXXX to have the charges reversed back to my account. I followed the steps as they directed and made the money transfers and ask the question how was this going to get my money back, they said once the transactions were completed the funds would be immediately returned to my account. I finished the call and checked my bank account and {$2000.00} was gone. Immediately I thought oh no, Ive been scammed! I called Wells Fargo immediately and filed a fraud report. The banker that I spoke with stated this happens all the time. He took my information and I asked how long would it be before I would get my money back. He informed me that while they were investigating the case that provisional funds would be added to my account while they investigated. The next day I need to use my account and provisional funds were added back to my account. On XX/XX/23 I received a call from Wells Fargo and was told that Visa had reached a decision in my case, and they would be reversing the provisional funds from my account on XX/XX/23. I asked how this could be, isnt Wells Fargo insured? In the past have received notification if they see suspicious activity on my account that never happened in this case. 4 charges of {$500.00} back to back didnt look suspicious to Wells Fargo enough to send me a text or a call! This was a scam. I realize that I did give the people that I spoke with information. Thats what a scam is. I dont understand why Wells Fargo would let one of their longtime customers just eat the cost of a scam. I understand I need to be responsible with my own money, but there were too many red flags for Wells Fargo not to catch it. I was robbed and Wells Fargo is going to just let it happen.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed two transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from XXXX and XXXX. 

DITECH- XXXX DITECH- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.
Product: Credit reporting or other personal consumer reports

In XX/XX/2021, I received a 30 day late payment from XXXX XXXX Department Store National Bank ) for my credit card. I was alerted via my credit report monitoring service. I immediately called XXXX and told them I never received a bill. They did an investigation and advised the bill was sent via first class mail and to check with my local post office. I met with my local post office and they advised they needed the tracking information. I went back to XXXX and asked for the tracking information, but XXXX said they didn't have any tracking information on the bill. I went back to the post office and they told me since XXXX did not attach any tracking, XXXX couldn't confirm if the mail was even sent to my address. The tracking information would have been verification the bill was sent and/or delivered. I called XXXX and told them the post office couldn't confirm they mailed the bill or if it was delivered. XXXX said to simply dispute it with the credit bureau. I disputed it with XXXX, XXXX, and XXXX. I just got the XXXX results of their investigation and it says the 30 day late notice was verified and correct. This is wrong because I never received a bill. Also XXXX stated they did not have any tracking information to verify they sent me a bill, so I don't understand how XXXX came back with a result to the investigation that the 30 day late notice was verified. I wasn't notified of the bill until I got an alert on my credit report for a late notice!
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX XXXX. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AN D  XXXX   XXXX   XXXX   ) THE CR EDIT BUREAUS GAVE ME NO VERIFYING PROOF. THE SE TWO AC COUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATI ON   XXXX   OF 2015.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. cash app failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft dispute with Experian stating that I have been a victim of identity theft and have provided them a copy of my passport, Affidavit Identify Theft, and Consumer statement stating that the accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine, and I have not done any business with them. Experian has refused to block these accounts from my credit profile under the law Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft. I want these account deleted from my Experian credit profile.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit beauraus for failing to comply with the FCRA, specifically concerning the accuracy of credit reporting and the handling of identity theft disputes. Despite my repeated efforts to resolve inaccuracies resulting from identity theft, Equifax has not fulfilled its legal obligations under the FCRA. 

The following are the key issues I have encountered : Failure to Investigate Disputed Information ( XXXX XXXX. XXXX ) : I disputed inaccurate information related to identity theft on my credit report. However, they failed to conduct a reasonable investigation within the required XXXX period. 

Non-Compliance with Identity Theft Provisions ( XXXX XXXX. XXXX ) : After providing Equifax with XXXX valid identity theft report, they failed to block the fraudulent information from my credit file as required under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX : There has not taken sufficient steps to ensure the accuracy of my credit report, despite being made aware of inaccuracies resulting from identity theft. 

Failure to Provide Required Notifications : Equifax did not provide timely and adequate notifications about the results of their investigation or clearly outline steps I could take to address the issue further. 

These failures have caused significant harm, including damage to my credit score, emotional distress, and financial difficulties. 

Thank you for your attention to this matter. I have attached supporting documentation, including copies of my identity theft report, dispute letters, and correspondence with Equifax, for your review.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my Experian RentBureau report that is the result of identity theft. Despite providing ample evidence to Experian RentBureau, they have unjustly refused to remove this fraudulent account from my report. This situation has caused significant distress and financial harm, and I am seeking your assistance in rectifying this matter promptly. 
In XX/XX/2020, I discovered that an account had been opened in my name without my consent, and it has since appeared on my Experian RentBureau report. I immediately took action by filing a police report and gathering the necessary documentation to prove my identity and address, including a copy of my ID, proof of address, and the aforementioned police report filed in 2020. 

It is imperative to note that according to Section 623 ( a ) ( 6 ) of the Fair Credit Reporting Act, all furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. Furthermore, a furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. 

Despite my repeated attempts and the provision of all necessary documentation, Experian RentBureau has failed to adhere to these legal requirements. This not only violates my rights as a consumer but also exacerbates the harm caused by this fraudulent account.

Furthermore, under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act, when a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Experian RentBureau 's failure to comply with these regulations is unacceptable and requires immediate intervention. 

Moreover, according to Section 615 ( f ) of the Fair Credit Reporting Act, when any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. 
I demand that the Consumer Financial Protection Bureau intervenes in this matter immediately and ensures that Experian RentBureau removes the fraudulent account from my report without further delay. If necessary, I am prepared to pursue legal action against Experian RentBureau to rectify this situation and seek compensation for the damages incurred. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and assistance in resolving this distressing situation.