23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the XXXX XXXX which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.
Product: Credit card or prepaid card

I signed up for American Express Platinum Business Card because I recieved a promotional mail promising me 100,000 membership points upon approval, and after I spend atleast {$15000.00} within the first 3 months. The offer was valid until XX/XX/2021 and I signed up and was approved in January of 2021. 

I have charged well over {$100000.00} over the last year and half with AMEX, but they have refused to honor my 100,000 bonus promo. I called them several times, and they escalated the matter for " Investigation '' and promised to contact me ASAP but they NEVER DID.
Product: Debt collection

In complaint XXXX I have requested proof of the information they are reporting and all that has been offered is a narrative of the account. According to the company the account was " paid in full ''. I do not have recollection of the original debt, the amount of the original debt, the time in which the original debt was acquired, or " paid ''. The company has failed to provide the requested proof of debt but has continued to report the information to the credit bureaus. Simply narrating that a payment was made does not prove they are reporting the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never applied for this credit card or acknowledge this application. I have requested XXXX and Experian to delete this hard inquiry from my credit report with no response from either of them. I will appreciate if you can instruct Experian to delete asap or provide some proof that it was applied by me. Thanks, XXXX You applied for a credit card on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, at XXXX XXXX XXXX I called Equifax and spoke to XXXX regarding the unresolved dispute I mailed on XX/XX/2021 to have Equifax remove hard inquiries that were not requested by me. I have yet to receive a resolution and advised XXXX I filed a complaint with the Consumer Finance Protection Bureau ( CFPB Complaint ID XXXX ). XXXX stated that Equifax will not investigate the inquiries and that I have to conduct my own investigation by contacting the company myself. I contacted them and was advised Equifax is responsible for reporting accurate information on my credit report. I feel these accounts are adversely affecting my credit report and I do not recall requesting any of these inquiries. I need this problem fixed asap. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days and Equifax is refusing to investigate this so these items should be deleted immediately. If these items are not removed immediately I will have no choice but to file litigation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Date Opened XX/XX/XXXX - BALANCE {$180.00} Account Name : XXXX  # XXXX OPENED XX/XX/XXXX - BALANCE {$710.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX XXXX  # XXXX OPENED XX/XX/XXXX - BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.
Product: Debt collection

Dear Sir or Madam, recently I was unpleasantly surprised to find that my credit score had gone down a lot because of the collection agency " Caine & Weiner ''. Until now, because of the way " Caine & Weiner ''  conducts business I thought that the person who was calling me back in 2017 was just a scummer trying to get to my bank account. 
Each time he had called me I ask him to identify himself but not over the phone. Each time he had called me, I'd told him if he was who he said he was, he should follow the FCRA legislation, as a collection agency, there are some steps to take prior to contacting any " delinquent '' over the phone. 
I told him that, " the consumers have 30 days from the initial communication about the debt ( for example, the first letter received explaining the debt is in collections ) to call the collector and ask for the debt to be verified in writing. The collector must return your request before it can start trying to collect the debt again. '' Because in my case the initial communication was missing, I asked him to send me a letter with all the information 's just to prove he was who he said he was and also I wanted to see the statement, the invoice, from XXXX XXXX, that reflected my " delinquent activity '' with the bank, knowing that my XXXX XXXX Credit Card issued by XXXX XXXX  as well as the other Credit Cards issued by XXXX XXXX  like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX were in good standing at that time and still are in good standing at the present. 
Every single time he had called me, his first question was if I was ready to make a payment and what card or bank account I was going to use, not just disregarding my request to prove who he was, but actually telling me he wasn't gon na send me any letter with all the pieces of information I was asking for, making me believe that he was just another scammer. 
I hope he still has all the recorded conversations to prove everything I write down in this statement.
Product: Credit card or prepaid card

XX/XX/2019 {$2500.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with XXXX and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. XXXX needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account
Product: Credit card

Capital one credit card used for 2 weeks, restricted for more than a year ago and asking to pay membership fee, I paid the membership when the card opened and did not get the money back, not even can close the credit card.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Account # XXXX Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. When did I give EQUIFAX written permission to furnish this account on my consumer report??? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft. 15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity. That is the definition of IDENTITY THEFT. 15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXXXXXX  ( Equifax ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : Equifax : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX & XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Equifax failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance. 
Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, XXXX, and Equifax. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with my signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN
Product: Credit reporting, credit repair services, or other personal consumer reports

m writing this complaint as my second complaint against both Transunion and XXXX  credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.
Product: Credit reporting or other personal consumer reports

I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/year> ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section XXXX ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and concern regarding an inaccurate collection account that Equifax has reported on my credit report. This account does not belong to me and appears to be mistakenly attributed to my file. Despite my previous attempts to dispute this error, Equifax has repeatedly claimed that the account has been verified as accurate.

The account in question does not include my name or any of my identifying information, which clearly demonstrates that it is not mine. I have already disputed this error twice, providing all necessary documentation to support my case. It is both frustrating and concerning that my disputes have been dismissed without proper investigation or resolution.

This error is negatively affecting my credit score and financial well-being. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to accurate reporting and a thorough investigation of any disputes. Equifaxs continued failure to address this error violates this right.
Product: Vehicle loan or lease

Hello and thank you for taking the time to help out with my account I had processed a payment for the past due balance of {$1600.00} on XXXX XXXX, XXXX  Payment Amount : Payment Date : Authorization Date : Payment Account : Confirmation Code : {$1600.00} XX/XX/2024 XX/XX/2024 XXXX XXXX BMW  notified me the payment was returned however the payment was posted on my XXXX XXXX personal checking account? 

I filed a CFPB with XXXX XXXX and their executive team responded with the Confirmation of Payment page that shows BMW was indeed paid the {$1600.00} yet the balance is still present on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Capital One and Capital One XXXX charges my credit card for a hotel reservations made for XX/XX/XXXX. 
When I arrived at the hotel there was a sign on the door stating it was closed due to the XXXX XXXX issues. 
I was unable to stay at the hotel and Capital One travel still charged my card for XXXX nights. 
I have tried numerous times and explained that I could not stay at the hotel because it was closed upon my arrival due to the Pandemic.

They have refused to reimburse the charges and even after I sent documentation from the hotel stating that it was closed and I could not stay there, they still refused to reimburse the {$270.00} in charges that their company charged on my card. 
I have provided all the documents they have requested to show this and to this day they still refuse to reimburse those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File Number : XXXX I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian is trying to falsely valid fraudulent accounts that have been removed by XXXX and XXXX & closed by companies in question. Ive contacted Experian multiple times within the last month in regard to this issue. XXXX XXXX XXXX have already removed these accounts in compliance with my complaint. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 30 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Included : Identity ( Drivers License And Social Security Card ), Bank Statement, Identity Theft Report ( 2 ), Dispute Letters ( 3 ), Notice of Furnisher, Proof that these accounts were removed by XXXX and XXXX Inlcuding Report Number from CFPB ) REMOVE WITHIN FOUR DAYS OF RECEIPT OF THIS COMPLAINT! ( 10TH ATTEMPT ON RECORD )
Product: Checking or savings account

On XX/XX/2023 I deposited a check into my BMO business account in the amount of {$11000.00} the check came from a account that I had closed once the account was closed they sent me my remaining funds in a check I then deposited it into my BMO account I was told the check will have a XXXX hold the XXXX XXXX  has been passed now they are telling me XXXX business days I have asked to speak with a supervisor concerning the matter on 3 different calls was told it can take up to XXXX still havent heard from them everytime I call Im getting told different things never getting a direct answer these funds are able to b verified because on the Check XXXX XXXX XXXXXXXX was the third party that cut the check I need this issue address as soon as possible
Product: Debt collection

I was not using my Internet, had no money in my account, and switched services while XXXX continued to charge me. I don't think I should have to pay for something I did not use.
Product: Vehicle loan or lease

I origonally leased a XXXX XXXX from XXXX XXXX XXXX  on XX/XX/XXXX. My lease agreement states that the company is responsible for maintenance on the vehicle up until 90,000 miles are on the vehicle. My loan was transferred to XXXX XXXXXX/XX/XXXX. My contract also states that if the lease is transferred the agreement still stands regardless of the new companies policies. XXXX XXXX has failed to uphold my maintenance agreement and has not reimbursed me for two seperate maintenances preformed on the vehicle. The innvoices were submitted XX/XX/XXXX and I was told it would take 10-14 business days for the money to be reimbursed. I 've spoken with XXXX XXXX several times since XX/XX/XXXX regarding this issue and was told a supervisor will contact me within 24-48 hours. This did not happen. Secondly, upon signing the lease agreement on XX/XX/XXXX the lease states that I am to pay a total of {$15000.00} in 108 weekly payments of {$150.00}. I am and have always been on time with weekly payments yet Innovate loan is now stating I owe {$25000.00}. I have called on several occasions about this amount and have not received an updated amount, I have also submitted the Lease to them for review with no outcome.