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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Date:XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & amp ; 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 In addition, Delete all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX { {$1600.00} } XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is collection account in my name for a medical bill that is not mine. It's through Osh Kosh recovery but serviced by XXXX XXXX. We had an initial police report done and " XXXX '' at XXXX XXXX stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by Osh Kosh Recovery and is not being deleted from the credit reports. He stated they were attempting to get more  identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. XXXX XXXX has been horrible. Federal law states we can record the call regardless of state law as XXXX trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the Osh Kosh account. Osh Kosh will not take our calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
Municipal XXXX 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 XXXXXXXX, has 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 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

I have been sent a letter in regard to a debt collection for a debt that I did not incur. The original debtor has not validated the debt and was over a time period I was not employed by the original debtor. The dates were provided and proof of other employment during this time. The dues were billed when I was employed by another organization.
Product: Credit reporting or other personal consumer reports

I was alerted by my bank, XXXX in California on XX/XX/XXXX that Barclays bank in Delaware has pulled a hard inquiry on my credit report. This was requested at the end of XXXX or the beginning of XXXX, the inquiry type was individual and it has lowered my credit score. I called Barclays bank in Delaware last night on XX/XX/XXXX and spoke with the security representative, who asked me for my Social Security number and ran a check telling me the result was there was not any credit request or credit card was opened so far. He told me to call all three credit bureaus to have this inquiry removed from my credit report. I never made any request for credit In any manner whatsoever. I want the hard inquiry removed from my credit report. This is fraudulent activity and I believe XXXX XXXX has had a security breach recently. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inquiries on my credit report that are older than one year, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609 ( 3 ) ( A ) ( ii ). As specified in the FCRA, inquiries for any purpose other than employment purposes should only remain on a credit report for the one-year period preceding the date of this request.

Since these inquiries are not related to employment and are older than one year, I respectfully request their removal from my credit report. Please update my credit file accordingly and provide written confirmation of the changes made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Opt-Out Request Pursuant to 15 USC 6802 Dear XXXX  XXXX Customer Service XXXX I am writing to formally request to opt-out of the sharing of my personal information as permitted by the provisions of 15 USC 6802. I am exercising my rights under this law to prevent XXXX XXXX from sharing my personal information with any non-affiliated third parties, except as permitted by law. 

Please cease any sharing of my personal information with non-affiliated third parties as soon as possible, and ensure that my personal information is protected in accordance with the law. 
Below are my account details for your reference : I would appreciate your confirmation in writing once my opt-out request has been processed. You can send the confirmation letter to the address listed above. 
Thank you for your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.
Product: Credit card or prepaid card

I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.
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Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.
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I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.
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I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.
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To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.
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Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.
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When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.
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I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.
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As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.
Product: Credit reporting or other personal consumer reports

I have sent multiple attempted for the last 4 Months for a proper investigation regarding the violations of several FRCA Laws. Violation 605B " it is illegal to report information on my credit report without my permission and to please remove. " NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified, Consumer Disagrees that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( The original entire purchase agreement associated with this alleged obligation NOT a copy! The consumer contract with my signature on it. The agreement that grants the authority to collect on this alleged debt. An explanation of what this alleged account balance is for. Swear under the penalty of perjury that you were present for this alleged debt. A copy of your license to collect a debt in the state of Florida which XXXX XXXX XXXX does NOT have! A color copy of my Drivers License verifying and validating this debt. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. You are also in violation of 15 USC 1692g ( b ) and 15 USC 1692c ( c ) I am not participating in the collection of this alleged debt so your agency is in violation of 15 USC 1692j and 15 USC 1692d The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

Bank is requesting to verify checks that were already returned. The maker came into the bank with his ID to verify the check issunce and I even provided their phone number of the maker for the bank to verify, but they will not accept any form of verification in person on or through the makers bank, they also will not call any number I provided or give me any other option to resolve the account being closed.
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. Capital XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit report.
Product: Credit card

I filed a claim on XX/XX/XXXX for XXXX XXXXXXXX XXXX for {$2900.00}. This was done after I found out the vendor is proving fraudulent financial services. I sent documentation required and my claim was denied. Around XXXX XXXX I decided to send the emails for further documentation even though there were a lot of back and forth between the fraudulent financial service provider ( XXXX  ). 

I sent a fax to Bank of America Dispute Fax # XXXX. Fax was confirmed to have been sent successfully at XXXX XXXX on XXXX XXXX. My fax included XXXX page of cover sheet with XXXX pages of attached documents which showed the emails between merchant ( XXXX  ) and me. 

No response was received so I followed up by phone in which Bank of America claims they never received my fax. 

so I sent a fax to Bank of America Dispute Fax # XXXX. Fax was confirmed to have been sent successfully at XXXX XXXX on XXXX XXXX. My fax included XXXX page of coversheet with XXXX pages of attached documents which showed the emails between merchant ( XXXX  ) and me. 

I called Bank of America XX/XX/2024 and Bank of America states they have not received both faxes.
Product: Mortgage

On XXXX XXXX, XXXX, I purchased a XXXX family dwelling Only. All the payments for the mortgage were paid on time until when I applied for a Loan Modification on XXXX XXXX I was denied and by inquiring about the reason of the denial I was informed that the loan was fraudulent. Two weeks after I received the denial letter I was also informed that the original Lender sold the Note to another company and since then it has been flipping from investors to investors so far I count of XXXX different investors. The last investor Jemcap LLC compelled me to pay more than {$100000.00} XXXX XXXX XXXX Dollars from me in Lump sum payment in his Bank account and sold the Note again to an other investor XXXX XXXX XXXX located in XXXX XXXX, XXXX NY who is now seek a Judgment of Foreclosure and Sale. According to the Department of Building, it is a XXXX Family Dwelling Only and it is Owner Occupied. Please investigate the matter and it is in the Supreme Court of New York.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I hires someone to move my luggage for me for {$50.00} thru cash app. Through the day he kept saying he didn't receive it. When I needed to move my things again I agreed to pay a total of {$91.00} to cover both moves. At I was entering the info he forcefully took my phone saying I wasn't putting the right cash tag in. While he had me phone, his friend bumped my just enough to throw me is balance.so I was unable to see what was going on. I'm a XXXX XXXX XXXX XXXX XXXX  veteran and they were young muscular men. When he finished he handed me the phone and immediately disappeared. He had changed the amount to {$9100.00}, tried to mess settings and then logged off the app. At first took a second to get logged back in but then I immediately contacted cash app to report the fraud, tried to request a refund from the man and have attempted numerous disputes. Cash app keeps ignoring the details of my XXXX and age to say I authorized it freely. Also, while trying to determine what happened to the first transaction I attempted to send {$1.00} to see what happened. Cash app did not allow that transaction saying it was a questionable account BUT I WAS NOT IMMEDIATELY NOTIFIED Obviously they recognized a problem with the account but did not give me adequate information they refused {$1.00} yet allowed {$9100.00} which is not typical to my spending habits. 

They won't tell me how to take it to arbitration or offer any other recourse after numerous calls and written messages
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason
Product: Debt collection

I have sent them a paid form the insurance company and they continue to charge me.
 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I was a victim of identity theft I have hard inquiries from XX/XX/XXXX until XXXX of XXXX on my credit that I didn't run also I have credit cards that were fraudulently used due to my identity and the companies don't want to clear it up like XXXXXXXX XXXX  from XXXX the amount they say I owe is {$1900.00} that account has been jeopardize due to Identity theft somebody tried to make a false payment and I'm paying for it also have a lot of closed accounts that I didn't apply for
Product: Debt collection

I sent XXXXXXXX XXXX XXXX  an email on XXXX XX/XX/XXXX at XXXX PM MST in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.
Product: Credit reporting or other personal consumer reports

My divorce was finalized in XXXX- please see uploaded XXXX. My ex-husband was responsible for the mortgage, payments and removing me from the loan. 
Unfortunately, he never removed my name, in from XX/XX/XXXX through XX/XX/XXXX, he stopped making mortgage payments and the XXXX was forced to close and go into collections. 
This is reporting to my credit report now as something I did, when I wasn't even entitle to the house or even had possession. US bank hasn't been helpful through this process as the account is closed and they are saying there is nothing they can do, but I have moved on and am trying to purchase a new home for my family and I can't because of his negligence. 
Please see the attached Judgement of divorce - I had no rights or responsibility to the repayment of this loan and the lates that he caused should not be inhibiting me to move forward when this was signed by a judge into order in XXXX.
Product: Checking or savings account

My card was stolen and i reported it to the bank right away. 

they refused to investigate and denied my claim even though i reported my card being stolen immediately they still let the fraudlaunt charges go through and are telling me i have to pay them MY CARD WAS USED IN ANOTHER COUNTRY
Product: Prepaid card

Customer wishes to file a complaint dispute against XXXX XXXX who continues the charges account after closing the account customer complaints that makes XXXX does not allow customer to get past first customer service personal