23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

# XXXX Account # XXXX Methods of Verification On XX/XX/ Experian reported complete a reinvestigation Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or " CRAs '' ) to conduct a " reasonable reinvestigation '' to determine whether disputed information in a consumer 's file is inaccurate. Experian failed to provide the following information 1. The date Experian contact date the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item.

4. The method of communication used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date 6. Copy of the original contract with my wet signature.

7. Deficiencies letter with amount Failure to respond satisfactorily within 30 days of receipt of this claims action against your company, seeking {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

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

15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Product: Credit card or prepaid card

1 ) Between the months of XXXX XXXX, I made an over payment to my XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$950.00}. 
2 ) On XX/XX/XXXX I relocated from : XXXX XXXX XXXX, XXXX, VA XXXX and relocated to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
3 ) In XX/XX/XXXX, I contacted Comenity Capital Bank in reference to receiving my new XXXX XXXX XXXX issued by Comenity Capital Bank and during this telephone conversation the Comenity Capital Bank Customer Service Representative told me that I had a credit of {$950.00} and placed a dispute on my behalf, in order for me to receive my credit of {$950.00}. 
4 ) In XX/XX/XXXX XXXX XXXX XXXX issued me a refund check in the amount of {$950.00}. 
Note : To date, I've not received a refund check nor have I cashed a refund check from XXXX XXXXXXXX XXXX in the amount of {$950.00}. 
5 ) On XX/XX/XXXX, XXXX  XXXX XXXX stopped all XXXX XXXX XXXX transactions. 
6 ) In XX/XX/XXXX, Comenity Capital Bank took over issuance and servicing of the existing XXXX XXXX XXXX from XXXX  XXXX XXXX. 
7 ) In XX/XX/XXXX, a Comenity Capital Bank Customer Service Supervisor instructed me to contact XXXX XXXXXXXX XXXX in reference to {$950.00} refeund check issued to me from XXXX XXXX XXXX. 
8 ) A XXXX  XXXX XXXX supervisor told me that XXXX  XXXX XXXX had no records of my XXXX XXXX XXXX XXXX and that everything XXXX  XXXX XXXX had involving the XXXX XXXX XXXX XXXX  program was provided to Comenity Capital Bank to include all the historical records and the issued refund check. 
9 ) The XXXX  XXXX XXXX supervisor also told me that Comenity Capital Bank could verify that the refund check was not cashed, perform a stop payment on the refund check and re-issue me a refund check and that it shouldn't take Comenity Capital Bank months to refund me my money.
Product: Credit reporting or other personal consumer reports

ive been contacting Experian, XXXX & Transunion and these bureaus and they all seem to not be properly investigating these account listed below. according to 15 USC 1681i ( a ) 6 ( B ) 3 you all must properly investigate or I am owed per violation.

Niether company responded inappropriately timely manner, pursuant to 15 USC 1681i ( a ) 1 you guys must respond within 30 days and its been 41 days. 

please investigate these accounts XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, my vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was parked on XXXX XXXX and hit by another vehicle. When I came out no one was around and my vehicle was crushed. I immediately contacted both XXXX XXXX and XXXX XXXX. My vehicle was deemed a total loss by XXXX. My auto loan contained a gap waiver and was covered by XXXX insurance and both payments were issued to XXXX XXXX for the full price of the auto loan. 

However, XXXX XXXX has continued to charge me $ 473 monthly for a vehicle that has been totaled out and paid for. As of today XX/XX/XXXX, they have accumulated charges to the sum of {$4800.00} dollars. I do not owe them this money. XXXX paid them and the Gap waiver paid the balance.
Product: Credit reporting or other personal consumer reports

I received my credit report from EQUIFAX, XXXX XXXX XXXXXXXX on XX/XX/2024 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Debt collection

There is a collection from XXXX XXXX XXXX claiming that I owe {$720.00}. This is a fraudulent attempt to collect a debt and nothing but a retaliation from XXXX XXXX from XXXX XXXX XXXX. We did not have a good relationship due to his discrimination against me and the primary owner of the apartment. I was the secondary applicant and somehow it is still reflected on my XXXX even though it was removed completely from the primary person 's account. After they removed it from their XXXX they somehow moved it to the primary holder 's XXXX which is ridiculous. They claimed we moved out XX/XX/XXXX which is false. The company has no proof we owe any amount and needs to be removed. Also, when contacting the county courts in which the company is located they claim that the 3 day notice from retaliation that XXXX gave us was not on file. Again, XXXX was acting only off of retaliation and did not give us time to explain our side of story. Also, XXXX forcefully towed one of my vehicles intentionally due to discrimination. When calling the XXXX and speaking to manager XXXX XXXX he was very rude and did not give any validation of the debt.
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( 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 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 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 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 XXXX XXXX XXXX To YOUR COMPANY. YOU ARE REPORTING 2 ACCOUNTS THAT ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY. THESE LATE PAYMENTS ARE INACCURATE. I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS. THESE ACCOUNTS NEED TO HAVE THE LATE PAYMENTS UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. UPDATE THESE ACCOUTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXX XXXX XXXX ( POSSIBLE FINANCE )
Product: Money transfer, virtual currency, or money service

I tried to open an account on XXXX in which I needed to sync my bank account with the site. 
I tried and received an error, stating that I should call my bank because they were blocking access. 
I called TD Bank and they said they will not allow me to grant access of my account to any 3rd party. 

I do not understand this as it is my account, which I should be able allow who can view my info.
Product: Credit reporting or other personal consumer reports

" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On August 7, 2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX XXXX  opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am 60 days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Product: Credit reporting or other personal consumer reports

I have a XXXX account that was open in XXXX XXXX and I was incarcerated at that time I would like for it to be removed. I also have something called, CONSUMER PORTFOLIO SERVICE, the address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was incarcerated at this time. I also will like to dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account opened XXXX XXXX I was also incarcerated at this time. I have something else as an hard inquiry called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX I was incarcerated for this too
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX derogatory credit listing on my Experian Report Number XXXX after case # XXXX in the XXXX County Court At Law No. 02 resulted in XXXX XXXX issuing a notice of full release, satisfaction and to vacate the judgment. This should have removed all late payments, overdue balances, and all derogatory information should have been removed. I disputed this item with Experian directly and provided them with a copy of the signed full release of liability. 

Experian however, failed to provide any investigation results, ignored the provided court order, and deemed this invalid derogatory account to be valid. Experian then updated or re-aged the debt making it newer than the initial date reported. 

Upon attempting to re-dispute the error, Experian refused to accept the dispute a second time and is in violation of FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15U.S.C 1681 C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTIDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS IN ACCURATE..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX, and # XXXX, has violated my rights. 

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 instruction
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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

XXXX Equifax, Hello I recently received a response to a dispute that i made under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report.

If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I did research on my own and learned that in the case of Cushman V Transunion, Stevenson V.TRW ( XXXX  ), and Richardson V. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! 

I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or will expect to see the item in question permanently removed from all records.