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

Date : XX/XX/year> Account Name : XXXX - XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( Letter 1 dated XX/XX/year> ] and Letter 2 dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 
o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 
o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. 
o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : Account Name : XXXX - XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Mortgage

I was making my payments on time. Covid hit my family in XXXX of 2020. I contacted the company and they said covid relief was available. I made payments in XXXX XXXX XXXX. Now they wont let me make the payments I missed. Raising my interest to 9.5 percent and extend my loan to 40 years. They will not take my payments and wont let me make my missed payments. Specialized Loan Servicing.
Product: Debt collection

I want you to send me the name and address of the original creditor.
Product: Debt collection

Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request. 

I am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I filled out a Smart Option Student Loan application with XXXX XXXX to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to e-sign your application. '' ******onXX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXX XXXX  XXXX XXXX Thanks for choosing XXXX XXXX XXXX and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from XXXX XXXX removed from my credit report, please.
Product: Debt collection

I disputed on XX/XX/2018 with XXXX  about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.
Product: Student loan

XX/XX/2016 I spoke with a representative of XXXX XXXX XXXX and was informed that this company would help in the Student Loan Forgiveness Program. 2 other family members and I were told that a discount would be applied for working with the government. Also, payments would come out of my account monthly. I was informed by a representative of XXXX that I had sign a contract and I was approved. The third party company is Equitable and they cant give any information out. Equitable also told me if i did not paid it. It will be on my credit report because they processed the paperwork and that what I am paying for. They told me to call XXXX for additional information. I was also told once the loan is paid off I wouldn't have to worry about a Student loan  because it will be paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX Tracking Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX BANK XXXX XXXX Balance : {$710.00} XXXX CREDIT XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that was discharged JXXXX. Experian is reporting serval accounts as closed and still reporting inaccurate data.XXXX XXXX  DELAWARE Closed 1 potentially negative month XXXX XXXX XXXX  XXXX XXXX XXXX potentially negative month Closed XXXX Closed 1 potentially negative month XXXX XXXX Closed 1 potentially negative month XXXX XXXX XXXX Closed 1 potentially negative month XXXX XXXX NA Closed XXXX potentially negative months. All this is inaccurate information I was never late. Please have experian investigate in accordance with the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. 

OneMain XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/2023
Product: Checking or savings account

About a year ago I opened an account at Bank OZK XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. During this time I had several overdraft fees and got charged several XXXX dollars. I kept looking at my transactions and they never were in the correct chronological order. On XX/XX/XXXX  I was had two transaction go through for under {$20.00}. My account went negative {$18.00}. I got cash and I went to an ATM in my town and I deposited {$20.00} cash to bring the account back positive. 
The next day I got paid by my employer. When I logged into my account I noticed that bank of OZK charged me {$70.00} ( 2 ) overdraft fees despite me bringing the account positive. 
I went by the bank at XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. I stated the same that the night before I deposited {$20.00} cash and the transactions were never in chronological order. 
The manager stated that her hands were " tied '' so couldn't give a refund for {$70.00}. Thank I asked her to close my account. Than she said if I kept the account open she could refund 1 time overdraft fee. I said no I'd like to close my account. They refused to give any refund. 
I also noticed that the bank changed the transaction for the overdraft for the prior day instead of the same day. On the XXXX the {$70.00} overdraft did not show. However on the XXXX they posted it as it was charged on the XXXX prior to me adding cash. This is like changing the chronological order after the fact. The already created transaction history was changed the next day which I noticed happened also in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 77 hard inquiries on my XXXX  report, I have paid two credit repair companies to resolve these issues and more. I also called XXXX directly and was sent a complimentary credit report but no real resolve for my credit report issues. I have been advised that I may be a victim of " inquiry issues '' within this credit reporting database, Several inquiries for instance are listed more than once on my initial credit report. Hard inquiries make up a significant role on your credit score.
Product: Credit reporting or other personal consumer reports

I have noticed that there are accounts that doesnt belong to me
Product: Money transfer, virtual currency, or money service

Today at XXXX, XXXX 2019 at XXXX I sent {$100.00} through my Wells Fargo app ( XXXX thats on the Wells Fargo app specifically ) to a person. I realized too late about the XXXX XXXX it does not assist with fraudulent and repayments. I am very devastated due to that and wish for some assistance to receive that back.
Product: Debt collection

TrueAccord has violated the FDCPA pursuant to 15 USC 1692C. The debt collector has communicated with me through text messages on several occasions even after I informed the debt collector that I refuse to the pay the debt. I am seeking a {$1500.00} dollars per text message ( communication ) under Telephone Consumer Protection Act. I never provided consent for TrueAccord to communicate and harass me via text message. This is a violation under the Telephone Consumer Protection Act. I stated I refused to pay the debt pursuant to 15 USC 1692C under the FDCPA and TrueAccord continued to send text messages harassing me about the alleged debt. TrueAccord has caused me XXXX XXXX and engaged in harassing behavior. TrueAccord is responsible for compensating me immediately for damaging my mental health and causing distress in my life. 



Please pay the amount of {$33000.00} which is {$15000.00} per violation ( text messages sent without my consent and served as harassment ) under the Telephone Consumer Protection Act. Twenty-two text messages were sent after I informed TrueAccord I refused to pay the debt. If this matter is not settled, I will proceed with a lawsuit under the FDCPA and TCPA in which damages may be higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX $ 217 XXXX  {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX XXXX   XXXX XXXX {$3500.00}
Product: Credit card

First of all Im XXXX years old and have XXXX and Im dictating this on my XXXX so please forgive any typos your system is not very XXXX or any cat friendly. You need to fix that to truly represent the consumer that all consumers are XXXX XXXX XXXX. 
My complaint is with PayPal and the way they interface with their customers who I buy merchandise from one of their customers a company named XXXX who sells mens shoes I purchased a pair in XXXX XX/XX/XXXX and didnt like the quality of the product them came tried to return it theyve been totally unresponsive with providing with me and Alarm a number or a palatable return process. They want me to pay every processing fee and pay for my own shipping and when the quality of merchandise is not up the standard, those should not be normal practices they should be able to pay for the shipping return shipping and provide an XXXX number and no restocking fee. What is this about brand new return the same package, and you want a restocking fee thats part of your operations dont ask the customer to pay for it Im making a note here about your website the button that you need to press to publish this article doesnt work right I have a new XXXX I keep pressing the button and nothing happens until it finally does work but Im XXXX years old and XXXX and my hands are shaky, so what kind of a friendly said user-friendly system if you got here you need to be up some customer service problems yourself fix them
Product: Debt collection

I don't have anything on my credit except numerous of accounts from one company ( ARS ) that has been on there for years, I have not ever received anything about these alleged debts, and many of them even with the same account numbers,
Product: Debt collection

On XXXX/XXXX/XXXX company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card with XXXX  XXXX XXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears on my credit report.
Product: Checking or savings account

On XXXX XXXXXXXX XXXX  TD Bank Rep. Lied & Said He Didn't See My Trustfund Money But He Did. When I Asked Him To Let Me See. My Account He Was Looking At On His Computer. He Refused By Saying Oh I Will Print Out A Receipt. So U Can See Your Balance. Then He Took My Old Debit Card Ending With XXXX. In The Back Of The Bank. And Gave Me A New Debit Card & Told Me. To Activate When I Get Home. But I Told Him To Activate It There. He Had Already The New Debit Card Before He Gave It Too Me. XXXX Told Me To Pick A Pin Number & I Did. Then XXXX Said It's Activated But He Been Did It. XXXX Thinking He Was Gon na Steal My Money But He Can't .XXXX  Gave XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Debit Card With The Same Numbers As Mine. So They Can Try To Steal My Trustfund Money. But They Can't No More.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reportedXX/XX/XXXXXXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. 
However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Account # XX/XX/XXXXXXXX XXXX
Product: Debt collection

Several times an account has been disputed, with the debt collector requesting, with letters proper debt verification on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since I do not recognize that debt. 
The company has not provided supporting documents, to verify the debt bearing my signature, and documents that make me legally binding contractually. 
The company has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act, and other law. Just with unsupported letters to the CFPB in 2 complaints, and arguing the delivery of information for 6 months without even a simple proof of delivery. 
The Company failed again with the CFPB to provide support, for the debt verification, and binding documents bearing my signature, in addition to arguing that they have answered my requests this 6 months which is way above the law ordinance. Attached you will find the letters support.
Product: Checking or savings account

There's was on going transaction from a car rental place where the vehicle got turned in on XX/XX/XXXX after that they charged my card again in XXXX I made a dispute they didn't handle the situation now in still in the negative where they refuse to investigate the situation