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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requiremen

ts ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof (
e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX I do not have a contract with Transworld Systems , Inc . Neither XXXX nor Transworld Systems , Inc. did not provide me with the original contract as I requested. 
On XX/XX/2019, I opened up a XXXX  service account for my son. He had service for about 20 days. The first bill was extremely high. I contacted XXXX to inquire about the excessive bill and I discovered that the XXXX employee set me up with XXXX lines tied to this single account. They referred me back to the store to get the matter rectified. Unfortunately, the XXXX employee who opened up the account had quit and the managing staff could not help me to get the account fixed. They removed the charges for the additional XXXX lines and I paid for the single service fee. After 30 days, I get another bill from XXXX XXXX again with excessive charges. When I contact them to complain, they told me it was the activation charges for XXXX service lines. At this, I took the equipment back to the store and had the account closed. I never activated XXXX lines - I don't even have XXXX people in my family. XXXX  claims that I violated the terms of our contract- yet they are unable to provide any contract that we signed for XXXX lines ( which we never did ) and they are trying to stick me with paying a fraudulent bill that their dishonest employee created so he could land a good payday before he skirted out on them. That employee loaded my activation as if I opened up XXXX lines on a single account and XXXX  refuses to accept their culpability. Again, I am not liable for this debt with XXXX  ; I do not have a contract with Transworld Systems , Inc . Neither XXXX nor Transworld Systems XXXX XXXX did not provide me with the original contract as I requested.
Product: Debt collection

I sent a post office letter to reliable credit association Asking to prove the debt they say I owe Them. Recently I have gotten nothing in the mail yet calls emails and text plus my car being subject to impound since the XX/XX/XXXX notice was sent. I wrote them back ... Quote Your are breaking the Law Sent you a certificated letter Validation proof Under the Law until the information I request is Sent by to me in Letter Form this is Concerned Harassment I have paid last month out of Honor. 
XX/XX/XXXX of this year 2023 I have not received nor gotten a response from you concerning the Validation process Obligating me to this financial agreement. of contract Again this letter .Today being sent asking for currency payments is not good business practice nor professional ..by Law 15 USC 1892g.n to me Has broken laws pertaining to this agreement. TODAY I sent this email to Them and made clear I would send you Proof
Product: Checking or savings account

I tried to open account to put my school money into but a few banks denied because they said XXXX XXXX XXXX told no, they said I had a account when I was to young to have a account and its affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in XXXX is a old account that was resolved and still showing up on my report. the report is still payments to it. Account is settled and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXL SERVICES XX/XX/22 XXXX BANK XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XXXX BANK XX/XX/22
Product: Credit reporting or other personal consumer reports

Accounts investigated and closed as requested by me. A fraud alert was placed on my report. And the accounts were closed. The hard inquiries also have to be removed on both XXXX and TransUnion credit reports. 

Please remove inquires XXXX  XXXX NA Inquiry date XXXX XXXX, XXXX and XXXX XXXX NA Inquiry date XX/XX/XXXX.
Product: Checking or savings account

I opened an account with T.D bank in XX/XX/2018! Which I deposited {$300.00} cash the day I opened the account. Before I could even use my account I was not able to use my card and when I called they told me to step into a branch and finally when I did it they said they were going to call the department that was handling my account and that I had to wait for them to call me and they didnt have a number to give me to call them! So the manager assured me that she would get in contact me to resolve this issue. While this whole time they were charging my account for the monthly fees of {$25.00} which I was only able to see through my paper statements in the mail! So I was getting charged for a account that I didnt get to use and being charged for it monthly! Its been almost 2 years since I first started this account! To this day XXXX still can not get an answer nor can I access my {$300.00} cash that I deposited into the account when I opened it so every month I keep getting charged for my account! Im not sure about you but I cant afford to spend {$300.00} and get ripped off by a big shot bank like T.D bank! Why I am being treated like I did something wrong! I have never been through something like this before I have never put my money into an account and not be able to access the money! Especially when they are charging me {$25.00} a month! So my {$300.00} just disappears and Im left with no explanation of how they can just take my money when I am an United States citizen and I have rights! I want all of my money back and I wont write a review telling their Customers how they treat people who dont have a lot of money! Or how they wont even acknowledge that they have my {$300.00}! They shouldve at least given my money back seeing that I wasnt able to use my account at all! This is ridiculous and I dont have any money that is extra to give criminals like T.D bank.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against CONSUMER ADJ Agency for their repeated violations of my consumer rights. 

CONSUMER ADJ Agency has failed to provide me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, they have proceeded to place a collection on my consumer report, depriving me of the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, CONSUMER ADJ Agency has engaged in false, misleading, and deceptive practices. They have furnished information to consumer reporting agencies without providing the required disclosures mandated by 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts to CONSUMER ADJ Agency and revoking their right to contact me through email, text, or phone calls. 

I am requesting the following : Debt Validation and Verification : Please provide me with clear and verifiable documentation that I owe the debt to CONSUMER ADJ Agency. 
Purchase Agreement : Please furnish a copy of the purchase agreement between CONSUMER ADJ Agency and the original creditor. 
Licensing and Bonding : Please provide proof that CONSUMER ADJ Agency is licensed and bonded to operate as a debt collection agency. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I request that you investigate this matter promptly and take appropriate action to protect my consumer rights. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Trans Union recently e-mailed me a copy of my free annual credit report, but I was UNABLE TO PRINT IT! I would now like to ACCESS THAT SAME REPORT via their website, but THIS IS IMPOSSIBLE TO DO! Please find out WHY their website is so NON-USER FRIENDLY to people desiring to get a copy of their credit reports!
Product: Credit reporting or other personal consumer reports

I have called, mailed and disputed online the identity theft inquiries several times. The online dispute get closed in a day. Equifax ran an investigation from my mailed in dispute, and the results agreed the inquiries should be deleted. HOWEVER, Equifax still has NOT deleted the information. THE dispute results letter states the DELETION HAS HAPPENED. but this is NOT TRUE. they are still showing as of today 's date. Proof attached.
Product: Student loan

I had to consolidate my loans early to avoid the misdispersment of my payments, also I 've requested smaller payments and they offered hold for 6 months instead and e-mailed me the info. I pay {$200.00} payments a month and somehow am still seeing my loan balance on my credit steadily increasing {$200.00} on average every month just due to interest which is ridiculous. I actually failed a few classes due to a XXXX and was denied when I requested additional grant and loan assistance. I also know my grades were incorrect in many cases due to a XXXX link issue at XXXX. My midterns and projects and homework were n't showing up as completed when I absolutely did them. I am near a XXXX GPA student even WITH XXXX full time quarters failling in all my classes. It is unjust and I hope to be compensated for my hassle and suffering. I am a single a parent and XXXX in need of a college degree to obtain a decent career and job.
Product: Vehicle loan or lease

My spouse and I reside in XXXX, Texas where a hurricane brought on a disastrous flood waters. Soon companies started making provisions to customers to allow time to make payments, including Prestige Financial. I contacted the company to make arrangements for XXXX payment to be made in XXXX ... .the end of XXXX. I received an email, which did not address when the payment would be comfortable for us to make after this disaster, what was offered I decline, the company seem to propose two payments in onXXXX month, over {$1000.00}. I decline, a manager emailed, I call back to discuss, the person was n't trained very well and only stated what the needed in 28 days and what they can not do. This sounded more like soft collecting ... she told me that no fees or negative reporting would be done, I stated to her when we could make XXXX 's payment, which would be XXXX XXXX, and continuing after. Which is the actual date of current payments, a collection letter dated on XXXX XXXX arrived threatening repossessions and law suit, I will provide emails and copy of letter in a separate complaint.
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 {$8800.00}, {$11000.00}. 
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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Subject : Notice of Dispute Regarding Car Repossession Dear XXXX, I am writing to formally dispute the reporting of a car repossession associated with my credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( 2 ). 

As XXXX operates as a reporting agency and not a traditional credit bureau, I am invoking my rights under 15 U.S. Code 1681a ( w ). I demand a thorough investigation into this matter.

Additionally, I expect compliance with 1681i, which entitles me to a fair investigation of the disputed information, and 1681e ( b ), which requires you to maintain reasonable procedures to ensure maximum accuracy of the information reported. 

XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PR XXXX Please be advised that pursuant to 15 U.S. Code 1681n, I am aware of my rights regarding civil liability for willful noncompliance, which may result in damages of not less than {$100.00} and not more than {$1000.00}, in addition to any actual damages incurred, along with attorneys fees and costs. Should you fail to address this dispute adequately, I will consider pursuing legal action to seek these remedies. 

I also request that you provide me with the names and addresses of any other bureaus or agencies that reported this information to you. 

Please confirm the accuracy of this information and provide documentation verifying the legitimacy of the reported repossession. If you can not substantiate this claim, I expect the removal of this inaccurate information from my credit report, as mandated by 1681s-2.

I appreciate your immediate attention to this matter and expect a response within the 30-day timeframe specified by the FCRA. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX XXXX is issued by Wells Fargo. I make on-time payments through my bank, and I received a letter from Wells Fargo, notifying that they decreased my credit limit, which placed my credit use at 115 %. This creates an issue because it immediately lowered my credit score. The letter states that they are choosing not to reveal the reasons why they decreased my credit limit. This is an abusive practice and is detrimental to my credit history.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX, XXXX Balance {$0.00} ; ATTORNEY XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached documents. Late payment on my XXXX credit report. I sent a complaint to the CFPB and receive a reply from the company involved Shellpoint. This investigation they send was incomplete and superficial. I have attach their first response to my inquiry and my response to shell point.
Product: Credit card or prepaid card

I went to XXXX and someone took my XXXX American Express debit card and swipe {$990.00} once I notice that a transaction that big was made I contacted bluebird. A prayer to resolve this matter they sent me an e-mail XX/XX/XXXX and told me in the email that the transactions was authorized if they will be suspending my account I have over {$30000.00} on that card I live out my XXXX I'm a XXXX XXXX I don't have no money to buy food or to pay for a shower I'm an XXXX XXXX this is my business. My text deposit on my card. I have no address
Product: Checking or savings account

I called to ask about the hold time for a cashiers check and was told it was XXXX business days. After making my deposit, I was told that it would be held for 8 days. This is an emergency because I need the funds immediately. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are 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 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

In accordance with the fair credit reporting act XXXX Account # XXXX, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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