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

I am writing in reference to a dispute I sent to Equifax Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Equifax did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}
Product: Debt collection

There is an account on my XXXX  credit report that is fraudulent and is coming up with ARS ACCOUNT RESOLUTION Solutions, this account is inaccurate and it is violating the fair credit reporting act and hipaa laws.
Product: Debt collection

Someone open accounts using my identity as listed below se '' Account name ICS Systems COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Recent balance {$690.00} for XXXX as of XX/XX/XXXX. Service Date account opened XX/XX/XXXX. XXXX status in XX/XX/XXXX. In addition this same collection, placed another claim on my credit for XXXX XXXX in the amount of {$470.00} during the same time frame, which I was stationed in XXXX. This has been occurring since XXXX, every 3-4 months since I returned stateside as military member. These utilities are obtained at the address I never resided in the XXXX XXXX XXXX, Mo. I contacted ICS and informed them of the identity theft and the recurring of these services in my name at the same address. Also these accounts were transferred to them previously for collection. I spoke to XXXX and informed them that identity theft had occurred again for the same address using my PII, and addition name, XXXX XXXX. I requested XXXX to remove this name and address in question, XXXX Nebraska from my credit, due to the fact this is not my name nor my address. XXXX and XXXX, XXXX XXXX XXXX XXXX, TX XXXX acted very swiftly removed this erroneous information but XXXX failed to comply with my request. Unable to upload the police report after the fact when initiated the dispute and they could not assist. Will send XXXX a hard copy
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; XXXX  XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect name and addresses are listed.
Product: Debt collection

Consumer has communicated to RBC and asked this company for validation of debt with no response consumer has sent request on the date of XX/XX/2020. with a
Product: Consumer Loan

Took out a car loan in XXXX with CPS. Car was paid off in XXXX and I relieved the title to my car. Upon looking at my credit reports in XXXX this year, they were reporting the status of this loan as charged off/collections and settled in full. I attempted by phone and by certified mail to correct this matter. I asked for proof that this was settled in full and not paid in full. Also asked for proof of the charge off/collections since this was news to me. As far as I knew, this loan was paid off normally. No charge off, no collections and not settled in full. On XXXX/XXXX/XXXX they sent a letter back to me stating that what they are reporting is accurate and supplied an account ledger of the payment history and a copy of the loan contract. Nowhere did they include my what I requested which was the proof of the charge off/collections and when did this take place. I also asked about a settlement that CPS was involved with that stated they were overcharging its customers and that they were to compensate people that had loans with them during the time of my loan due to the settlement they reached. I saw no compensation and again they brushed off my question. CPS is under the impression that I am disputing the validly of this past debt which I 'm not. I 'm disputing how they are reporting inaccurate information yet feel like they do not have to answer to how they report erroneous items. My car was paid in full and was never charged off. I never received notice of such a thing and when I made my last payment, a few weeks later they mailed me the title to my vehicle.
Product: Checking or savings account

On XX/XX/XXXX I issued an online contribution to my church for {$350.00} via my online bill payment system. When my end-of-year contribution statement was received from the church in XX/XX/XXXX, I realized the XXXX contribution was not credited. I researched my account online and confirmed that the check amount was posted to my account on XX/XX/XXXX. I sent an email inquiry to the church office on XX/XX/XXXX, and they were not able to find that the check was ever received, so I immediately contacted the bank. They advised the check was cashed on XX/XX/XXXX without any stamp or signature endorsement on the back. They sent paperwork to my church to complete, an affidavit stating that they never received or cashed the check. The church financial secretary completed the affidavit and returned it to the bank immediately. I confirmed with the bank on XX/XX/XXXX that they had everything they needed to proceed with the investigation. 

Since that date, I have made contact to the bank multiple times, being transferred on every call at least 2-3 times, sometimes more, and have been told multiple versions and multiple timeframes about when the issue would be resolved. On my first call on XX/XX/XXXX to check status, I was told by a " supervisor '' ( after I requested that the call be escalated because the Customer Service Rep couldn't answer my questions ) that I must allow 90 days for resolution, which would be XX/XX/XXXX according to their file. On XX/XX/XXXX, after not hearing anything, I asked again for the call to be escalated because the CSR couldn't answer the questions. I was told a supervisor would return my call on Monday, XX/XX/XXXX, but that call never happened. On XX/XX/XXXX I called again and was transferred to a supervisor, who advised that the case was with the Federal Reserve and that they can not control the timing of resolution. At that time, she said I should allow 6 months. Just today I called again because the 6 months has long since passed, and was told by a supervisor that the affidavit process could take up to a year and there was nothing that could be done by them. So you can see how the story keeps changing, as the timeframe stretches further and further out. 

There were multiple people involved at my church in this case of checks being stolen from our mailbox and cashed. I have been told by my pastor that all the other people have long since been reimbursed their funds by their banks, who are continuing to pursue their own recovery. The detective who is handling the case suggested I should go to the Federal Banking Commission because the banks are required to reimburse me the funds I am out of pocket while they pursue their recovery. I advised the 'supervisor ' of this in my call today, but she insists there is no process where she can issue the funds to me prior to the issue being resolved through the Federal Reserve XXXX 

I have been with this large national bank for MANY years and am so totally disappointed and shocked by the lack of customer service they have provided on this issue.
Product: Debt collection

I am a victim of identity theft and noticed a collection from Convergent Outsourcing I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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 {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. AMSHER COLLECTION SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lowered my credit score without reason. I contacted them and they refuse to review my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX account # XXXX ; XXXX/XXXX  account # XXXX ; XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX  account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX ; XXXX account XXXX XXXX ; XXXX  XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX  was never late! I have had exceptional payment history with 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 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 in myaccount 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 or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies XXXX e.g., Lexis Nexus, Early Warnings, XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against TransUnion by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I request that all accounts and inquiries associated with this breach be blocked and removed from my credit file. 
Please take immediate action to block the following accounts : Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$15.00} XXXXXXXX US DEPT ED  - XXXX - XX/XX/XXXX - {$4200.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2400.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$4100.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$860.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on Equifax Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround
Product: Debt collection

Cedar Business Services reported me to The Credit Reporting Agencies that I owed XXXX XXXX the sum of {$660.00}. I called Cedar Business and I informed them that I have never done business with XXXX. I requested proof of my debt such as delivery receipt / invoice / proof of delivery. I have not gotten a reply to date.

My credit score has dropped by XXXX points
Product: Payday loan, title loan, personal loan, or advance loan

I settled this account in XXXX and Balance still shows {$720.00}. 

I tried to dispute this through credit bureaus and they stated to to be remained
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to relocate my son and I back to my hometown. Unfortunately all of the rental properties/apartments have been denying me an approval due to a Background Rental Screening. Wherever theyre pulling their information, or the sites these leasing offices use, has old and incorrect information still listed. I had a judgment from XXXX or XXXX with : XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 
It seems like XXXX XXXX XXXX XXXX bought them out now. However I have already went to court for this three years ago and paid the balance off IN FULL! I even drove two hours away to go back to the clerks office at the courthouse for a certified printout and to ask why is there a balance still showing? The clerks office stated this case was DISMISSED without Prejudice and was signed off by the company who initiated the judgment. Their address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have spent over {$800.00} in applications and holding fees. This is a very sad situation. I need help in order to be placed in housing so my son and I can have somewhere to LIVE. Please reach out to me if snuggling else is needed. If this remains an issue, I will seek an attorney and go after the Fair Credit Reporting Bureau and any other Company needed.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX put in a request to have money transferred through BOA XXXX XXXX via on the phone in the amount of XXXX which the bank misspelled my name and wasnt approved to pick up funds that were taken from my account. Both XXXX XXXX and BOA said it takes 45 days for the funds to be reversed back into the account. XX/XX/XXXX a claim was put in for my refund reached out to XXXX XXXX myself on XX/XX/XXXX confirmed the payment was processed but the funds were never picked up by reciever and XX/XX/XXXX I recieved a letter from BOA that the credit was issued to my account would appear on in my account in two business days. Today is XX/XX/XXXX and still havent recieved the refund that is long overdue to my account.
Product: Debt collection

I was reached out to by email. XX/XX/24, XX/XX/24 and XX/XX/24. The amount owed is {$1600.00}. I did not reach out to settle because I was emailed after XXXX.