23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Equifax and XXXX XXXX for FCRA Violations Complaint Against Equifax : I am filing this complaint against Equifax for its continued reporting of an alleged charge-off account despite my formal dispute and failure to provide legally sufficient verification. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Equifax is required to ensure the accuracy and integrity of all reported information.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax has failed to follow reasonable procedures to ensure this charge-off is accurate. 
The burden of proof is on Equifax to provide documentation supporting the validity of the debt. 
Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) I submitted a formal dispute, yet Equifax continues to report the charge-off without providing evidence of its accuracy. 
Per XXXX v. XXXX XXXXXXXX XXXX, 357 F.3d 426 ( XXXX Cir. XXXX ), credit bureaus must conduct thorough investigations beyond simply relying on the furnishers response. 
Continued Reporting of Unverified Information ( 15 U.S.C. 1681s-2 ( b ) ) Since Equifax has failed to verify the accuracy of this charge-off, it must be deleted per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 827 F.3d 1295 XXXX XXXX XXXX. XXXX ). 
Despite my previous dispute, Equifax has not removed the entry, violating FCRA guidelines. 
Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXXed to provide the legally requested documentation to verify the charge-off, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). 

Failure to Provide Proof of Debt Obligation XXXX XXXX has not provided the original signed agreement proving my legal obligation. 
Failure to Provide Charge-Off Notification Under XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), improperly reported charge-offs can constitute an FCRA violation. 
XXXX XXXX has not provided evidence that I was notified before reporting the charge-off. 
Failure to Conduct a Reasonable Investigation The FCRA ( 15 U.S.C. 1681i ( a ) ) mandates that furnishers conduct a thorough investigation upon dispute. 
Per XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ), a mere automated verification is insufficient.
Product: Credit reporting or other personal consumer reports

When I was checking my credit report I noticed there were inquiries that did not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX  from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX  is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Checking or savings account

Around XX/XX/2020 Goldman XXXX Bank ( GS Bank ) detected fraudulent activity on my savings acct. On XX/XX/2020 I was sent the attached notice that the funds subject to the fraud had been recovered. Since then I have attempted to access my account but am told by GS Bank that the account is locked. 

On XX/XX/2020, I sent GS Bank the attached letter requesting that my account be closed and a check along with an accounting be sent to me. Since XX/XX/2020, GS Bank has called me twice - I returned each call and each time was on hold for an extended period of time. The first time I was told the check and accounting were on the way. The second time after holding for quite a while I was told that they would call me back.. they never did. 

It has been over 4 months and I can not access or get an accounting of my deposit.
Product: Debt collection

I was behind in my mortgage payments, so I borrowed {$6700.00} from my daughter and she deposited it in my Bank of America account. I made my mortgage payments, but unbeknownst to me, Bank of America had taken out {$1700.00} from my account, causing my mortgage payments to be returned. The seizure of {$1700.00} by Bank of America was for a credit card account, which had been inactive for a period of 9 years. The last payment I had made was in XXXX. It was a company debt, and our company had filed Bankruptcy in XXXX. I was unable to pay anything, because I was diagnosed with a XXXX XXXX XXXX and have been unable to work. My only income is {$570.00} from Social Security. I called Bank of America, and told them they could n't do this, and the customer service person very nastily told me that it could be collected because they had just written this off. I believe the statute of limitations is 4 years, which is a long time ago. No communications have been received at all for at least 8 years. I do not believe they can legally do this and I would like my {$1700.00} back. The credit card was in the business name, and the funds were taken out of my personal account. Now I am again behind in my mortgage payments, and have no way of paying it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that has been inaccurately reported on my credit report. This unauthorized account is causing significant harm to my credit standing. 
The disputed account is a XXXX XXXX Services account opened on XX/XX/year>, and showing a balance of {$5200.00}. I have never opened or authorized this account. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I request the immediate blocking of this fraudulent information from my credit report within XXXX business days of receipt of this letter. 
I have attached a copy of my credit report from TransUnion displaying the fraudulent account, as well as a copy of the FTC Identity Theft Criminal Complaint reference number XXXX. This documentation clearly demonstrates that the account in question is the result of identity theft. 
I demand that TransUnion promptly investigate this matter and remove the fraudulent account from my credit report. I expect a written confirmation of the accounts removal upon completion of your investigation. 
Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX  XXXX XXXX & XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This unauthorized inquiry was conducted by the creditor without my consent or awareness
Product: Debt collection

I received a call from a debt collection agency " Midland '' informing me that I was being sued for a debt of {$4000.00} by XXXX XXXX for furniture that I did not purchase. The case # is XXXX. I have never ordered anything from XXXX XXXX. This is a case of Identity Theft how do I proceed in correcting this matter.
Product: Credit reporting or other personal consumer reports

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 information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item 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.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information.

The name, address, and contact information of the person or organization you contacted during your investigation.

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item.

As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mo. XXXX, and their attorney, XXXX XXXX, of Blitt and Gaines, P. C., Attorney at Law, XXXX XXXX XXXX, XXXX, IL., XXXX, are trying to collect on an alleged debt that has reached the status of State of Limitation and are trying to collect on a debt that XXXX XXXX XXXX, failed to validate upon request in XX/XX/XXXX. They are also trying to collect on an alleged debt from someone ( that being me ) who is retired and have been retired since XX/XX/XXXX, an entire year before XXXX XXXX XXXX made their first attempt to collect. Also, XXXX XXXX of Blitt and Gaines has committed fraud by advancing a writing ( a fake judgement ) that they know is false with its intention to be detrimental to me by use of interstate communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( Equifax and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true
Product: Checking or savings account

Re : Dispute of Fraudulent Activity and Demand for Correction on XX/XX/XXXX XXXX XXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX stemming from the unauthorized use of my stolen debit card. Despite my prompt reporting of the theft to the issuing bank and local authorities ( Police Report Number : [ XXXX ], Date : [ XX/XX/year> ] XXXX XXXX police department chexsytem has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If chexsystem fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Product: Credit card or prepaid card

I applied the Chase XXXX XXXX XXXX  credit card in XXXX. XXXX of the card benefit is " Earn XXXX qualifying night credits toward your next tier status for every {$5000.00} you spend on your card. '' And the term of this benefit says " XXXXXXXX XXXX XXXXXXXX XXXX XXXX credits will be credited to the calendar year in which the spend occurred. '' In XX/XX/XXXX, I found I was XXXX qualifying nights away from the next tier of the XXXX member program and I decided to spend {$5000.00} to get the qualifying nights. Then I spent {$5000.00} on XX/XX/XXXX and XX/XX/XXXX to meet the requirement. 

In XX/XX/XXXX, I found that Chase credited my additional qualifying night to XXXX instead of XXXX. I called XXXX to see if there was anything wrong on their side and I was told to contact Chase, as XXXX just adds the nights to the calendar year that Chase tells them. 

I called Chase customer service, and I was told that my case had been escalated and I could expect an email contact in XXXX business days but I got no response from Chase after a month. So I called again. The customer representative told me they need more information and asked me to wait for a physical mail, and follow the instruction on the mail to provide the information required. 

I received the mail and followed the instruction to provide my detailed statements, each line of the spend including amount, date and vendor via secure message on XXXX. The information I provided clearly proved that my purchases were made in the calendar year of XXXX, not XXXX. 

I provided the information to Chase on XX/XX/XXXX, then my funny journey started. Chase took days to respond to my ask, first they asked me to contact XXXX and claimed they did nothing wrong, and I told them I did contact XXXX and nothing XXXX could do. Then all of the following responses from Chase, they just repeat their credit card policy without answering my question, and told me that the qualifying nights were credited to the correct calendar year. They ignored the information I sent, and did not provide any evidence on how they confirm the qualifying nights were credited. 

After XXXX messages from Chase, they said they would not response to me and have the case closed. 

I just had XXXX question to get answer for and Chase never responded my question.
Product: Debt collection

Between estimated years XXXX I was a victim of identity theft from multiple unknown entities most of medical student and credit card debt that was fraudulently opened in my name without my knowledge as I was in and out of inpatient facilities, group home/state ran facilities for XXXX I sustained from XXXX under care of the state no income or assets. In XXXX I was able to move back home and try to establish my identity credit and background after also going through a divorce in XXXX of XXXX without my knowledge and granted in ex husbands favor as I was in inpatient care in a hospital setting as this was granted. I was never able to change back my last name to my maiden name as Im still struggling to establish long term employment over activities in my credit and background report that should very well NOT be there. I can give information of ones I suspect to have made these charges and openings in my name but it is unknown to me what is showing thats preventing me from gaining adequate and long term employment as well as establishing identity in organizations. I need help in restoring my name credit and background. I have threatening harassing misrelated relayed information constantly in play to me and constant spamming of phone calls letters emails voicemails important document/information theft/ loss of employment from matters unbeknownst to myself or my knowledge. i need a freeze and investigation into who is using my name and what is circulating as Ive already established reports with the credit bureaus, and see some unknown activities but doesnt clearly state the details in them as I did not open them, and every time I dispute these charges stay or I find new charges. I have tried to build my credit with a financed loan, ONE loan, to help me further my livelihood after all of the hardships I have faced, and somebody is using me for fraud preventing me from being the productive member of society I worked so hard for!! This is preventing me from going back and furthering my education. I need this investigated and handled now.
Product: Checking or savings account

On XX/XX/XXXX, I was on my lunch break from work. I received a call from Wells Fargo saying they were the fraud dept and I had an abnormal charge from XXXX ca for XXXX. They told me to check online on my online mobile banking app to see if it was me. I told them it wasnt and I said thank you so much for catching that. They told me they were making a report to the XXXX police dept so I can get reimbursed for the XXXX. They told me to verify my old PIN number and Email address to get the funds back in order. They told me not to go on the online app because it will cause an issue getting the money back. I thought that sounded fishy. So I went on the app anyway. Realizing they took every cent out of my account, checking and savings. I was furious. I asked them why my savings was transferred and they said it was part of the process. I knew i was being scammed so I just hung up the phone. XXXX my eyes out I left work and went at right down to the Wells Fargo here in XXXX California. I was crying to the tellers explaining what happened. They told me dont worry you will get your money back, this happens all the time. They gave my the phone number to the fraud dept. which was the EXACT same number who called me. I was so mad, I didnt know who to trust and I was so confused. I called them and made report. 11 days later the report was finished and they said it was not considered fraud. Now I cant afford my rent. I have nothing. I banked with Wells Fargo since XXXX, and they treat me like this. Im a hard worker, I work 6 days a week and XXXX different jobs and they think I would take money from myself. In what good does that benefit for me? They took my savings XXXX dollars and around XXXX out of my checkings. Please see attached photos form phone numbers to transactions. Thank you.
Product: Debt collection

After reading and understanding my federal rights as a consumer, according to the Fair Debt Collection Practices Act ( FDCPA ), this law is intended to protect consumers from abusive, deceptive, and unfair debt collection from debt collectors. It is my federal right as a consumer pursuant to XXXXXXXX XXXX XXXXXXXX ( XXXX ) to receive meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me against inaccurate and unfair credit billing and credit card practices. As the consumer, I am requiring Discover Card to send me a notice of VALIDATION of debt pursuant to 15 USC 1692g. Communication with me should cease through all/any medium until notice of debt is given.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my XXXX, Transunion, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on XXXX which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus XXXX, XXXX, and Transunion all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence