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

I filed a complaint against Equifax for not doing a proper a investigation when I disputed items and the discrepancies between the information they were giving to XXXX XXXX  and what was actually reported on my credit report from Equifax. I had 15 hard inquiries on my Equifax credit report and they were reporting 86 inquiries. I had got some deleted due to identity theft. 5 should be the correct amount of inquiries. After I submitted a dispute to CFPB Equifax in retaliation added 71 of the deleted inquiries back to my credit report. This violates so many of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a opportunity to resolve this issue. I filed a re-investigation, and still no lawful response from XXXX, Experian and XXXX. XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act pursuant to [ 15 USC 1681s-2-b ( ii ) ] and [ 15 USC 1692 ( e ) 8 ( 2 ) A ]. I have legal documentation of my attempts to have inaccurate and false information removed.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed the information provided in the letter regarding the CFPB inquiry for the account of XXXX XXXX XXXX. Based on my analysis of the relevant case law, I would like to dispute several aspects of the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Firstly, the letter states that the account originated with XXXX XXXX  XXXX. on XX/XX/XXXX, and was subsequently charged off on XX/XX/XXXX with a balance of {$9800.00}. However, according to the case law established in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the statute of limitations for collecting on a charged-off debt XXXX be significantly shorter than the original contract period. Depending on the applicable state law, the statute of limitations could be as short as three years from the date of charge-off. If the current owner, XXXX XXXX XXXX, acquired the account after the expiration of the statute of limitations, they may not have a valid legal claim to collect on the debt. 

Secondly, the letter states that the current owner, XXXX XXXX XXXX, is not currently reporting the account to the credit bureaus. However, according to the case law established in XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a debt collector 's failure to report a debt to credit bureaus may be considered a deceptive or unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). If XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have chosen not to report the debt to credit bureaus, they XXXX be in violation of the FDCPA. 

Lastly, the letter states that the current owner, XXXX XXXX XXXX, acquired all ownership rights, including the rights to collect on the account and to report to the credit bureaus, if eligible. However, the case law established in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), suggests that the mere purchase of a debt does not automatically confer the status of " debt collector '' under the FDCPA. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX need to provide additional evidence to demonstrate that they have the legal authority to collect on this debt and report it to credit bureaus. 

In conclusion, based on the relevant case law, I believe there are several potential issues with the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that should be further investigated.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Product: Credit card or prepaid card

American Express clawed back the reward points that they gave me XXXX year after I upgrade my card! I used my Amex XXXX previously and I received XXXX promotion last year and promise to give me XXXX reward points after I upgrade to Amex XXXX Preferred. I did receive the XXXX points after I upgraded it and I keep using it until XX/XX/XXXX this year. And it has been almost XXXX year ( few weeks left ). And I called the American Express Representative and asked if I can downgraded it back to Amex EveryDay after the upgrade cycle is fulfilled without affecting my account 's reward points. She said no worries, the downgrade would not affect. And I trusted her. They immediately downgrade my account. But my account was deducted XXXX reward points few days after I called. I doubt that they are trying to tempt me into this situation. I also called to complain about this and told them they made a mistake. I was planning to fulfill the upgrade term before the downgrade. They just said the terms are just there and the deduction is normal. The downgrade can not be reverted. They deduct the membership fees but did not give me the reward points. They won twice. I felt so disappointed on American Express and I just want to let others know how American Express treat their customers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

AS I DO NOT ASNWERS ANY PHONE CALLS ON MY CELL PHONE AND i HAVE THE RIGHT NOT TO. THEY STARTED TOCALL ME AT WORK AND TOLD MY COWORKER THEY WERE CALLING TO COLLECT A DEBT.. IT WAS EMBARRZED AS EVEN MY BOSS WAS HERE AT THE SAME ROOM WE WERE HAVING A MEETING AND THIS PERSON STARTED TELLING ME I HAVE A DEBT ETC.. I AM ON THE DO NOT CALL LIST AND STILL RECEIVED PLENTY PHONE CALLS. THE DEBT WAS IN 2016 HOSPITAL BUT I HAVE TRIED MY BEST AND THE LOCAL HOSPITAL ADVICE JUST TO LET IT GO. AS THEY COULDNT HELP ME NEITHER WITH THE BILL.
Product: Checking or savings account

On XXXX Regions bank allowed an unknown person to remove {$1900.00} for two of my accounts for a total loss of {$3900.00}. They have since been extreamly hostile and uncooperative in refunding their mistake. Saying openly that they will drag their feet about this for as long as they can.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello Equifax, the following accounts listed in the files below are currently reporting on my credit. I kindly ask that you remove these fraudulent accounts from my report. I am a vicitm of identity theft, my identity has been stolen from me. I am currently in the process of getting all these fraudulent accounts removed so i can focus on building my credit. I just turned XXXX and decided i wanted to work on building my credit to obtain a good score just to see that some stole my joy ruined it and destroyed my credit along with credit history. I am asking that you erase these accounts immediately for they all are fraudulent.
Product: Debt collection

I have requested debt validation from ARS collection in regards to XXXX accounts I supposedly have with them. One for {$1600.00}, another for {$440.00}. and the last for {$390.00}. I sent out my first debt validation letter at the end of XX/XX/XXXX2021 and what I received in response from this company was a bill dated XX/XX/XXXX with someone else 's name on it. Showing with only two of the three accounts, but the one not on the bill ( {$1600.00} ) shows on my credit report from them. I sent out a second debt validation letter on XX/XX/XXXX, this time certified mail. It shows picked up on XX/XX/XXXX. I have not received further response from this company on the required information I am asking for. I do not have knowledge where these bills are coming from and what they are for. They continued to show up on all XXXX credit bureaus and want them to be removed if they are not providing any information to me
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my XXXX XXXX XXXX  XXXX. personal checking account for {$25000.00} on XX/XX/2023. Later that afternoon, I received a call from XXXX XXXX customer support to verify that I had originated the transfer ( e.g. that it was not fraudulently initiated ). I confirmed these details over the phone, and this customer support agent informed me she had processed the transfer. By XX/XX/2023 ( three business days later ), the wire transfer was not showing in the destination account. I am submitting this complaint on XX/XX/2023, since the funds are still not available in my Chase business checking account. Chase informed me that XXXX XXXX had not successfully released the funds, but XXXX XXXX informed me otherwise.
Product: Debt collection

I Have a medical collection on my credit file for a debt that hasn't even been settled in court yet because i was in an accident that was not my fault. My Attorney stated that i should file a compliant against this company for reporting a negative mark on my credit file on a case that is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I don't ever recall paying any of these accounts late/after the due date. 

Attached you will find credit reports pulled by me from TransUnion on two different dates. The late pay information for the same accounts are different between the two dates. This proves that TransUnion is reporting the accounts inaccurately. 

TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open end consumer credit as late for any purpose.
Product: Money transfer, virtual currency, or money service

Linking my bank account to my brokerage account. I can not deposit or withdraw because of a change PNC implemented.
Product: Consumer Loan

Leaders Financial has refused to send me my title after paying my vehicle loan off back in XXXX 2016. I first had to deal with prove that you paid us which I had to fax a copy of my bank statement over because I paid the car off with my debit card. Then I was told I would have to wait 30 days after the payment was made in order to receive the title. Now today XXXX XXXX, 2016 6 weeks after I paid Leaders off they flat out refuse to send me my title. I called today and they state that they will send me paperwork that I would have to sign and send back to them and they then will need more time in order to send my title to me. Send the title now via federal express or I will see you in court. This is theft, You took my money and now you refuse to give me my title. Send it now!!
Product: Credit reporting, credit repair services, or other personal consumer reports

DMV record is not accurate.The XX/XX/2018 incident was posted twice. The official Colorado Bureau of Investigations report doesn't match what Checkr Background provided.
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 have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Closed Late Dates : XXXX ( XXXX ) -XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 4XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 5XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 8XXXX XXXX Inquiry from XX/XX/XXXX XXXX I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 9.XXXX XXXX from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian )
Product: Debt collection

I had my paychecks garnished, lost in lawsuit I did not know about. They sold it and another company is trying to collect another amount of money. Trying to, or did, take my tax refund.