23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On a recent review of my credit report, I discovered your company reporting the collection account referenced. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Product: Debt collection

This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I informed XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX Consumer Dispute Center that The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX This is not mine.. The companies failed to comply. That account ( XXXX XXXX is not mine at all and I need this account to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several i nquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyon e can inquire a credit file. I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can. please delete  these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was subject to a XXXX XXXX scam and was scammed to transfer XXXXXXXX XXXX  to a fraudulent XXXX XXXX to trade currency on the XXXX XXXX. I transferred the money into an account of the " XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( account number XXXX, XXXX XXXX XXXXXXXX ). The companies account was at CHASE bank XXXXXXXX XXXX  I transferred the money by wire transfer from my bank ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX area of XXXX XXXX XXXX ). the payments were made on in smaller installments. 
XXXX $ on XX/XX/2021. 
XXXX $ on XX/XX/2021 XXXX $ on XX/XX/2021 XXXX $ on XX/XX/2021 XXXX $ on XX/XX/2021. 
I realized it was a scam and could not access my funds I reported it to XXXX XXXX XXXX  and Chase bank but neither bank has been helpful in recovering my funds. Note I am a CHASE customer I have a separate Chase bank account XXXX this was not involved with the fraud )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXX XXXX XXXX XXXX 2022,
Product: Credit card or prepaid card

I order furniture for an entire house being constructed in XXXX. Over XXXX in furniture. I have only received a 3rd of the order and it us XXXX. I've taken off work 3 different times only to get no items or 1 item at a time. The customer service people lie about dates and changes. I have since did a warranty on a mattress and ordered a box spring in XXXX. No update on that order. Half of the things they brought from the XXXX ordered is damaged and has to be resent. It all looks refurbished. No one can give answers on dates but they say all of the furniture is in. Out of 3 orders and a pretty good XXXX on furniture they don't care. I really want them to pick it all up and I'll shop elsewhere and make sure everyone I know hears about this experience. The interest only is misleading to consumers if it takes a year to get the furniture. Bad practices. This is my last order with the company I've furnished an entire house before with them and sent countless referrals. If they tell ppl 0 % interest for a year.. and you wait 8 months for furniture you didn't technically have a year with no interest because you didn't have the furniture that's misleading sales practices.
Product: Credit reporting or other personal consumer reports

I Would like for any negative accounts on my Experian and XXXX credit report to be removed as they do not belong to me. I am a victim of identity theft and my information has been leaked in a data breach. Accounts that are positive and paid in full belongs to me only. Experian refuses and has not fully investigated all negative accounts as they reappear after deletion or has never gone away. This is a big inconvenience that is affecting my credit score daily. Here 's a list below of all accounts that has not been removed or reappeared after sending proof numberous of times. 

-XXXX XXXX XXXX XXXX  XXXX Account belongs to Ex spouse used my information without my consent/ authorization. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and any other negative accounts
Product: Credit reporting or other personal consumer reports

TSI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/2024 added a derogatory mark on my credit profile per XXXX XXXX for {$1400.00}. After further research this account was transferred/ sold and I am no longer responsible. Also there was no written form of communication or signed contract for this debt. I was Never sent any communication about this debt prior to It appearing in my credit report. The validation provided is in XXXX XXXX name. That is not my name. Please provide validation in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXX XXXX  XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXX XXXX XXXX, INVESTIGATIVE XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Product: Debt collection

Improper medical billing and attempt at collection of dual XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the recent data breach of 3 billion persons. To whom this concerns, concerning me and my identity safety. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by these agencies. These items must be removed in order to show my true credit history. I make this request to pursuant 15USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the ACT. I demand that you verify each one of these items, and that all inquiries as well be deleted from my record. All closed accounts on my credit. I demand they XXXX. XXXX XXXX XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XX/XX/XXXX - {$880.00}
Product: Checking or savings account

XX/XX/13 contacted Bank of America at XXXX about identity theft. Someone opened an account in my name. Ive never been a Bank of America customer. Called and provided ssn and dob to verify that it was me. Talked to fraud department at XXXX told to hit option XXXX received a confirmation # that it was a claim being investigated into and account closed. 

Unsure if its normal practice to provide ssn and ssn to close account. This seems unusual to me.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX  These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft problem with my account and for some reason when I move I never did receive the credit card I applied for and now looking at my report I have inquiries that I did not authorize and I have no knowledge of so I reported that to the credit bureau and they refused to move remove the inquiry after I told him that it was identity theft they have all the paperwork on file to show proof but they still refuse to remove the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a XXXX hard inquiry in XXXX months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid a clothing manufacturer, XXXX XXXX, via Paypal for goods. When I received the goods they weren't as described and they held my labels/tags I had paid for.. I filed a dispute with Paypal and they denied my case! I have the wrong merchandise plus they fail to ship part of my order. I can't believe Paypal ruled in their favor. I am looking to get back approx {$610.00}
Product: Credit reporting or other personal consumer reports

RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate informational on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law. 

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent CFPD findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation.

If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFP and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have Greensky correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each. 
Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If Greensky made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. 
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. Greensky failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, Greesky willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. 
total of {$6000.00} in remedy I am due.
Product: Vehicle loan or lease

I do not have dates all of the dates. But, I filed for bankruptcy and it was discharged in XXXX, XXXX. I filed a reaffirmation agreement for my car loan thru Santander Consumer USA, with the US Bankruptcy Court which was approved. I then had a financial burden in XXXX, Santander allowed me to not make payments for XXXX and XXXX, XXXX. Around this time I started shopping around to refinance the vehicle, but I was denied because the car isn't on my credit report. In late XXXX I attempted to have the car loan added to my credit report by contacting Santander. They said I needed to send a letter to the department that resolves credit related issues, so I sent a letter. XXXX i received a letter back from Santander stating nothing needs to be done. Then my sister was given a XXXX diagnosis and went on extended leave from work, so I am helping her pay bills. I am now two payments behind on my auto loan. I continued to check my credit report for the next month or so and it did not show up. XX/XX/XXXX I spoke with XXXX from Santander ( see attachment ) about refinancing and the issues I was having making the payments.I spoke with Santander on the phone on XX/XX/XXXX. The representative said she was opening a high level ticket with the credit resolution dept. She called me back and stated " The car loan will not be added to your credit report, because you filed bankruptcy '', so i asked " Was i advised of this when i reaffirmed the debt in bankruptcy? '' To which she responded " No information was sent to you pertaining to this. '' I then asked " Does Santander refinance '' to which the representative said " No ''. 

The crucial piece of information about the car payments not being reported to the credit bureaus after bankruptcy, now prohibits me from refinancing the 19 % percent interest rate to get the payment to a level I can afford. So now, if the car is repossessed, I will be in another difficult financial situation due to any amount that is due after they sell the car at auction. When if they had told me the car wouldn't be on my credit report, I would have forfeited it when I filed bankruptcy. 

This is an unethical business practice, if not criminal.
Product: Checking or savings account

On XX/XX/2022, we have initiated a bill pay payment of {$6000.00} from my Chase Bank business checking account to my landlord XXXX XXXX XXXX This is for my XX/XX/2022 store lease payment. 
The check was generated and mailed out from Chase Bank on XX/XX/2022. 
However, two weeks later, my landlord reported that he did not receive it. 
Then in the following week, I noticed the check has been deposited as I can see the image in Chase online and the recipient name was changed to XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX. None of us recognize this person 's name or address. We have immediately reported a check forgery claim to Chase. However, we have not yet received any update from them or refunding any amount of the check. This is a federal crime. I hope they can expedite this and take this seriously. This kind of service is unacceptable. It is chase fault for allow a check that was modified to be deposited. I do not understand why we are still refunded. on the wrong doing.
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in PORTFOLIO RECOV ASSOC, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. 
My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), PORTFOLIO RECOV ASSOC is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, PORTFOLIO RECOV ASSOC is obligated to investigate disputes within 30 days, but I have not received any update or resolution. 
This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect PORTFOLIO RECOV ASSOC to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX al XXXX NEW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 Upon pulling my annual credit report I notice some credit inquiries that were unauthorized and were not clearly and conspicuously disclosed. My research on the FCRA Laws states that reports containing information solely as to transactions or experiences are excluded from my consumer report. Attached I have the names of the companies that are in violation. This is causing injury and is causing me to get denied loan/credit opportunities from my family and me. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong addresses on my credit report listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I called American Express on XX/XX/2019 wanting to cancel my credit card. They transferred me to their retention department and they offered me a {$50.00} statement credit if I spent {$1000.00} on that credit card within 3 months. I met the spend requirement on XX/XX/2019. 

Called on XX/XX/2019 and asked when I should be receiving that {$50.00} statement credit. They said it takes 6-8 weeks to see the credit. 

Called back on XX/XX/2019 to follow up and they said they see it on my account and they're not sure why it's not credited but that I should see it soon. 

Called bak XX/XX/2019 and spoke to a Manager. She escalated it up and promised me she would call back within 24 - 48 hours with an answer. Never received any call back from her. 

Called back AGAIN XX/XX/XXXX, and they said they're " looking into it '', and it could take 30 - 90 days. 

This is ABSOLUTELY ridiculous. I've done my part, and I shouldn't have to be following up and wasting my time and energy on something that they promised in the first place. It really shouldn't be this difficult to look into and apply to my account.