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

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting 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 U.S. Code 1681i - Procedure in case of disputed accuracy Party Owed : XXXX XXXX XXXX Amount : {$22000.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : XXXX XXXX  Account : XXXX Party Owed : XXXX XXXX Amount : XXXX XXXX Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : XXXX - Account : XXXX Party Owed : XXXX XXXX Amount : XXXX  - Account : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXX  - Account : XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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, I want to make this clear that this is I, XXXX XXXX and not a credit repair company sending out this notice to you.
Product: Prepaid card

The debit company is using a split for money for the money to get for personal use and caught be me with my accounts and not the card I use to my understanding has value on it to become used on reported to statements because of an stolen ssi check. And the amount is weirdly wired to take some money and checking paperwork. That's sent and not the entitlement. But I get my check on the chime card I can't read. The problem is repetitive with retaining bank money in big banks and representative payees '. But the checks in 2022 goes to XXXX and XXXX XXXX.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file to verify the accounts I disputed. Being that they are past the 30 day mark and can not " verify '' these accounts, under Section 611 ( 5 ) ( A ) of the FCRA ... they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Vehicle loan or lease

I had a lease through Hyundai Motor Finance. When I returned the vehicle at the end of the lease ( all payments paid in full, on time ) in XX/XX/2018, they had charged me for extra fees that were never explained to me from the beginning. I had contacted them numerous times to work with them about the fees but did not come to a conclusion. Once they reported the fees to the credit bureaus, I ended up giving up and paid the fees. To this date, the missed payments are on both my wife and I 's credit reports. All scheduled payments were made on time for the previous 3 years.
Product: Checking or savings account

My account with chase for XXXX  years was closed by chase for a confidential reason, and they told me that I can not open another account with chase for no reason, ever, permanently. 

None credit issue nor anything fraud/crime related was committed prior to that.
Product: Prepaid card

I received a {$1500.00} XXXX American Express gift card from XXXX XXXX as I was a winner from their XXXX  Am Exp doesn't allow a charge to go through, declines all charges and charges XXXXXXXX XXXX for doing so. It's currently holding a {$850.00} charge as " pending '', but the merchant verified that the charge was denied on their end. I called all morning long, and got representatives in XXXXXXXX XXXX XXXX XXXXXXXX who told me it's my fault or the fault of the vendor. I even saved the information on my XXXX XXXX as I was assured the charges would go through digitally in this manner. Not one charge has been processed, but it shows a balance of {$640.00} for the " pending '' charges and for the XXXX XXXX they charge every time I attempt to use it. The last representative told me it was my fault because I didn't use it directly at the store. How am I supposed to use a XXXX physically at a store? I'm at my wits end. I think they're hoping I give up. I can't imagine all of the people who have been scammed by them.
Product: Debt collection

To Whom It May Concern : I have recently been informed that there is negative information reported by Chase card over XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is a fraud account on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Chase card and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the inclusion of inaccurate information on my credit report, stemming from a case of identity theft. I am urging for a swift investigation and removal of the following false information from my credit report, as I have already fulfilled the requirement of filing my complaint with the Federal Trade Commission ( FTC ). I have been a victim of identity theft, and the compromise of my personal information remains unknown to me. Furthermore, I am unaware of any individuals involved in the perpetration of this crime. It is imperative to clarify that I did not benefit financially, nor did I receive any goods or services as a result of this identity theft. The fraudulent accounts and activities that have been reported on my credit file do not accurately reflect my financial behavior or history. I respectfully request that Transunion take immediate action to block and remove the inaccurate information associated with the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a dispute XX/XX/2022 concerning the XXXX XXXX account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
Experian is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor Experian the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named XXXX XXXX, from an old XXXX account. I contacted XXXX XXXX and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or XXXX XXXX. Because I had never previously opened an account with XXXX XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. Forty Seven ( 47 ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait 45/50 minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft .Gov. In XX/XX/XXXX, I have also Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the XXXX credit bureaus. To date, the XXXX credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX  XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX XXXX points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX 's credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX 's account, dropped my score XXXX points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.
Product: Credit reporting or other personal consumer reports

This is my 5th dispute you claim the late payment was accurate but u still have not provided accurate information u updated the inaccuracies in my last dispute but there still have all wrong and incomplete and inconsistent dates across the report please reverse the account to paid as never late or delete from my file or I will be suing u in court this is the screen shot of inaccuracies u still have on there after u updated it XXXX every thing must be accurate or deleted from my file or corrected please delete late payment accout name XXXX account number XXXX Also after any reinvestagation any inaccuracies must be deleted so. Please delete the late payment this is the 5th dispute
Product: Credit reporting or other personal consumer reports

Dear sir/madam, while checking my most recent credit report, I know there is fraudulent credit inquiries that I do not recognize and did not authorize anybody to pull my credit report. The inquiries made by the below listed companies : XX/XX/XXXXPlease validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to
Product: Debt collection

This company is reporting a debt i do not owe them. i have asked for proof of validity of debt which they continue to report. they dont accept payment and wont remove credit
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 U.S.C 1681 XXXX  XXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX  XXXX Original creditor : XXXX XXXX XXXX for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX  the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX credit card through Bank of America. I am able to access card information through an online service through Bank of America. I have activated a " minimum payment option '' which indicated that my amount due was {$210.00} to be taken directly out of my bank account. I have confirmed with Bank of America that the minimum   pay option was marked on my online account. 

Bank of America took {$10000.00} in addition to the {$210.00} on XX/XX/2019. This was unauthorized, and represents an illegal action by Bank of America. Please prosecute them for theft, as they now have confirmed to me that they will not be returning these funds. This was especially vexing as the funds in my account were to pay Federal and State taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX  and an inaccurate reporting of my account status. In XX/XX/XXXX I realized that though this account was sold to a collection agency XXXX XXXX XXXX on XX/XX/XXXX that XXXX XXXX XXXX  was still reporting data to the all 3 credit bureaus ( Transunion, XXXX, and XXXX  ) with the status being FP or " failed to pay ''. At this time, I initiated disputes with all 3 credit bureaus in regards to the accuracy of the reporting. According to the bureaus, the information was verified as accurate by XXXX XXXX. Subsequently XXXX XXXX in response to these disputes continued to report my account as FP or " failed to pay '' throughout XX/XX/XXXX. After multiple attempts to get this information verified by reaching out to the credit bureaus via letters ( 4 letters in total ) the bureaus began to mention that there was already a dispute open in regard to the matter and that they do not open disputes that have already been verified as accurate. Upon being told this information, I reached out to XXXX XXXX directly and was told that they'd verified the information and would not open an investigation into the matter. After the letter was sent directly to them, they again reported FP or " failed to pay '' in XX/XX/XXXX on an account that had been settled with XXXX XXXX XXXX in XX/XX/XXXX. This has resulted in my credit report reflecting recent missed payments for an account that was sold on XX/XX/XXXX. XXXX XXXX has verified that the account has been in there possession since XX/XX/XXXX and that XXXX XXXX should not have been reporting any information beyond that date. After this account was settled there was still no update to the account as being paid or legally settled for a lesser amount.
Product: Checking or savings account

My account was compromised I filed a dispute. The dispute came back paid. They reversed the dispute, but I went in branch to handle this matter.my account is in the negative because of this matter.
Product: Credit reporting or other personal consumer reports

I disputed several items on my credit report that I have no knowledge of nor did I give my express permission for these item to be furnished on my reports. I have not received any findings nor did I receive any proof that a thorough investigation was done. There is a sever lack of informed consent taking place.These items are causing me great stress, mentally, emotionally, and financially. I have developed a severe distrust and loss of confidence in the financial and banks systems there is not fair and accurate credit reporting being done. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   TransUnion and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, TransUnion and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX.  if this account was investigated without belief that it was not and verified, my question is. with what proof???