23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  ACCT # XXXX [ MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX ] 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I got hit with a hard inquiry on XX/XX/2018 from chase manattan. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$6000.00}, {$960.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I hereby submit this formal complaint against EXPERIAN, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that EXPERIAN would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.
Product: Credit reporting or other personal consumer reports

Debt collector called National credit management reported a debt on my credit report thats not mine and requested for the debt validation on the account and they refused to provide it. Please Im requesting for them to delete this wrong information from my credit reports immediately. Account number : XXXX Company name : National credit management
Product: Credit card

I purchased an electric shaver from XXXX on XXXX XXXX, 2014 for {$63.00}. It was lost in shipping and I never received it. I contacted XXXX on XXXX XXXX, 2014. They agreed the item was lost in shipping and shipped a XXXX shaver. They also granted me at {$7.00} credit for my inconvenience. 

I received the XXXX shipment, but never the XXXX. My spouse did n't like the shaver so I returned it. Despite at least XXXX phone calls to EACH XXXX and Barclays, they keep recharging me for this item. I have NOTHING. I returned the XXXX item I received. I am out {$77.00}. I can not keep calling. 

This MUST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT - XXXX XXXX REBILL-XXXX XXXX REBILL-XXXX XXXX XXXX XXXX REBILL-XXXX XXXX, I do n't even want a refund. I want NO MORE XXXX charges to appear on my account -- ever. I want them blocked. They are being vindictive. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charged off account from 2014. The company continues to report a past due balance. XX/XX/XXXX and Equifax continue to post 90 day lates each month from the company. My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights. 


The date of last activity doesnt match. Theres no close date or high balance reported for XX/XX/XXXX or Equifax. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Product: Credit card

Jefferson Capital Systems , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shared my information with another Company after I notified them not to and they have yet to provide or answer my mailing sent to them on XX/XX/2024 I am seeking penalties and compensation from this company for their violations
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Mortgage

I was forced by XXXX XXXX realtor XXXX XXXX to use XXXX XXXX XXXX. I told XXXX I already had a mortgage company. she said if i didnt use XXXX XXXX, the builder wouldnt give me the contract. I used XXXX XXXX believing they would pay XXXX in closing cost. they didnt because my sscore was a XXXX. XXXX XXXX at XXXX XXXX has been close friends with XXXX XXXX. I feel their personal relationship affected me. I wasnt able to choose my lender. further more when i complained to XXXX she went back and told XXXX.
Product: Credit reporting

Hello I paid resumes by XXXX and XXXX XXXX ( Company XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX County ( XXXX ) XXXX ) owner XXXX XXXX. Who claims she does Credit Restoration {$250.00}. But come to find out she do n't do credit restoration. She is just sending off a bunch of dispute letters only. Through a program she has brought online. She does n't take the time to research the facts before disputing. So, she disputed to account that was not right to dispute. In which I will upload into the system with my credit report and complaint to the Texas Attorney General 's Office on XXXX XXXX. I need both of these disputes removed off my credit report please. XXXX of the disputes has a company name, address, zip code, and phone number. The other company has only a P.O. Box address. I would like Experian, XXXX, and XXXX to remove the disputes off my credit report. Because XXXX XXXX did n't and should n't have sent dispute letters to these companies because I had already resolved these XXXX bills and as you can see from my credit report. Then the Credit Reporting Agencies needs to correct the information to Paid as Agreed on my credit report. Both accounts has a XXXX balance on them because I paid them off.
Product: Mortgage

We have a mortgage with PHH, account XXXX. We have two property parcels that are included in our mortgage and are escrowed each month. We received notice from the XXXX County, Wisconsin tax assessor that property taxes due XX/XX/2021 have not been paid on one of the parcels. I contacted XXXX on XX/XX/2021 but the taxes remain unpaid. A penalty has now been assessed. This is on XXXX County PIN # XXXX. The total due as of today is {$73.00} plus {$2.00} interest, total {$73.00}. Please assist us as we have not received any response from PHH. 

Many thanks.
Product: Credit reporting

the attached letter was sent to Equifax but all XXXX credit bureaus are reporting XXXX digit mortgage account numbers for my mortgage loans and student loans that have been discharged and forgiven since per letters to that effect which my attorney has fro mthe us dept of education and all the loan servicers. 

XXXX now is retaliating by not applying my payments that they hold on to now allegedly for two weeks in order to allegedly get late fees and manufacture defaults like XXXX and other sewer service XXXX trust servicers. 

so the new York attorney general announced that all XXXX credit bureaus have agreed to get rid of false information that they are being paid to maintain by XXXX and XXXX for loans I never applied for and have no loan docs for and no settlement docs for and the y both violate the national mortgage settlements with us do justice. 

please see attached letter to Equifax from my attorney XXXX XXXX regarding XXXX that i have filed now XXXX complaints against with the uscfpb. 
Your submission, [ Case number : XXXX ]
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

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

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$1200.00} / XX/XX/2022 XXXX XXXX {$150.00} / XX/XX/2022
Product: Mortgage

On XX/XX/2021 I reached out to U.S. BANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by U.S. BANK. Shortly after completing the transaction, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to U.S. BANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that U.S. BANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Equifax XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

XXXX consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of 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: Debt collection

Fox Collection Center, XXXX XXXX XXXX, XXXX, TN XXXX has reported a debt to our credit bureaus over a debt that they have never proven is ours despite our multiple requests. 

They initially only sent their statement saying we owed the debt, which is fine. But my wife, as law & their own statement allows for, emailed them on XX/XX/2021 requesting the actual bills or signed statements proving this is our debt. 

Fox Collection simply responded in an email response with yet another one of their own attached statements dated XX/XX/2021 about the amount owed. Again, this was not proof from the Creditor in question, but simply a statement from Fox Collection.

So we called Fox Collection and spoke to " XXXX '' on XX/XX/2021. Again, I explained that we have only received collection requests & warnings from Fox Collection Center but still NO PROOF of the debt itself in the form of statements or signed agreements from this supposed Creditor. " XXXX '' asserted that their statements ARE the proof and we will need to pay the debt based on their statement alone if we want it removed from our credit report. Of course, their assertions and statements do not constitute proof of the debt. 

We have asked them to either provide the proof or have the negative report removed from the Credit Bureaus. 

Thank you so much for your attention to this frustrating matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I had opened up a dispute with BOA XXXX Credit card. I had informed that the XXXX XXXX XXXX that I had returned a defective jacket. XXXX acknowledge the defect and return. The sent out another replacement jacket but it never arrived. I in turn requested a full refund of {$850.00} and was credited by XXXX XXXX. BOA XXXX CC was suppose to credit the full amount of {$850.00} but it was never credited to my account. This in turn cause the dispute between myself and BOA XXXX CC. This resulted in the late payment. 
I have provided the necessary document on the return, pic of the defect, and follow email of the non arrival of the replacement item. I still have the corresponding email between myself and the XXXX vendor. I can provide all of this to help prove my case. 
XXXX  Credit reporting number : XXXX I have also paid the amount in full to BOA in hoping to avoid further late charges and negative reporting. and hoping to resolve it through the credit reporting.