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

I am filing this complaint against XXXX, XXXX, and Experian for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX 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  Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15
U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, ( XXXX ) XXXX. 
15 U.S.C. 1681 Section 602 A. States I have the right of privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Credit Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC Consumer Office XXXX. XXXX  XXXX XXXX XXXX, CA XXXX : To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on my credit report. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 

Kind regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my business Paypal account was hacked by an unknown entity that was able to get a digital wallet credit card of {$500.00} through which many purchases were made and consequently paid off via my linked business bank account. 
I immediately alerted my bank and Paypal and I was able to recover the money stolen. 
When after, asked to Paypal to delete my account and data linked to my account, I was not able to receive an affermative response. 
1-I can not delete my account on my Paypal page because it doesn't allow me to do so 2- Paypal Customer Service didn't follow up with my multiple requests via phone calls 3- Neither upon certified mail letter sent to their headquarters requesting to delete my account and data with immediate action, last XX/XX/XXXX was unsuccesful. 
I am now looking to join a possible class action lawsuit for unethical and illegal business practices and data exploitation.
Product: Checking or savings account

I received and email at approx XXXX XXXX  On XX/XX/22 from Ally bank stating that my account had possible fraudulent activity and my access to my account was blocked and to give them a call. I called answered all the questions was then told by the loss prevention department they could not tell me why my account was blocked at the moment but someone would call me back and one to two business days and in the meantime I was not able to use my account. I then called back to speak to somebody else were they informed me they were closing my account I then informed them I had two direct deposits totaling close to {$600.00} that would be hitting my account that day their response was they are sorry money could come into the account but could not leave my account. I then asked could they please close my account at that moment so the direct deposit would get kicked back to the sender and I could reroute them to a different account. I was then told there was a process they had to go through in order to close my account and that once my account was closed they would send me all my remaining funds. I was also told this could take up to 90 days. I am a single mom on one income and that money that was going into my account today was to pay my rent I now have to deal with a very upset landlord and no money to feed my family as all my money is in that account. This put a very bad hardship on me. It is also very upsetting that the people I spoke to you were very rude and were not helpful. Could not give me a reason for them no longer wanting me to have an account. I also have no online access to even see exactly what was in my account at the time of them taking away my access.
Product: Checking or savings account

Money Was Stolen Out Of Account Never Got Replaced Instead They Closed My Account When I Reported it And Never Gave Me My Funds! {$5000.00}
Product: Credit card

Earlier in the year I had to get a new debit card on my checking after fraud. The bank connected my new debit card to my credit card, so then when I tried to use the ATM it would flash warnings about cash advances and fees. So I went to the XXXX Ohio XXXX and asked them to disconnect my checking and debit card from my credit card, and they assured me they did. After that the atm worked as it should. However, last week I did two balance transfers intended from savings to checking, and the online portal pulled both from my credit card. While I agree that doing so was my mistake, the system did not warn me that cash advances have fee penalties, or that I was even doing a cash advance at all. There was no " are you sure you want to do a cash advance? '' as there is on the ATM screens. I feel this is deliberately misleading - particularly since I had already proactively asked XXXX Ohio to disconnect my ability to do so. This isn't about the dollar amount of the fees, but that the bank is using these deliberately shady means of not warning us that we're doing a cash advance. I think there should at least be a warning for those of us who are often in a hurry and accidentally select the wrong account. I asked them to refund the fees after my history of having proactively asking them to disconnect these two accounts from each other, and their online chat XXXX XXXX refused.
Product: Credit card or prepaid card

Synchrony Bank for Lowes did not send paper statement for XXXX. Called 3 times to try to correct and requested paper statement but did not receive. Made on line payment, received 2 emails stating payment received, then received phone message to call them. Spoke to 3 people who insisted payment was NSF but the problem was it was not posted to the correct account. Unable to find a person to let me finish a sentence to correct this. Have perfect credit, made a payment when one was not due and now being harassed about it.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with XXXX hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect negative items on my credit report XXXX XXXXXXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 2017
Product: Bank account or service

Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 card

my account is closed and its been years and IRS has also collected this information and considering my income i have already paid it off
Product: Credit reporting or other personal consumer reports

The collection co. Absolute XXXX XXXX. Has reporting multiple variations of my account. For the amount of XXXX. This collection has been closed multiple times. The enclosed copy shows it open on my XXXX  and XXXX. As of today. Its reporting after the 7 year reporting period, and shows that I made a XXXX payment to start the reporting period over. I never made a payment in 7 years and the original owner shows on my report as XXXX. The original is XXXX not XXXX inaccurate. My credit report is showing open for this collection account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number documented in attached letter. 

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services has reported to all three major credit bureaus regarding a car loan in my name. Despite numerous attempts to contact them, calling, faxing, and certified next day mail with signature confirmatino. They will not comply. I have no received any documentation proving that the account is mine with any wet or hard signature.
Product: Credit card or prepaid card

Last year I told Comenity Bank that I wanted to pay off my entire balance on a credit card they serviced. In XXXX I got a phone call that I still had a balance with them, but I had not used my card. I paid this balance again thinking it was a mistake on my part. In XXXX I got another call from them saying I had {$100.00} balance, but once again I had not used the card. They are telling me that I had a late charge that gained interest. I have told them multiple times to pay off the card but they still keep finding ways to charge me when Im not using my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Bureau of Investigation ( FBI ) vs. XXXX, Equifax, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXXEquifax and XXXX. I have also submit an investigation by XXXXXXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, Equifax and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through  XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!
Product: Debt collection

Transunion, XXXX, & XXXX have stuff on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute with an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize.
Product: Mortgage

A complete package was sent to Chase for review on XX/XX/XXXX. I confirmed receipt that all of the documents were received. A follow-up call was made on XX/XX/XXXX and they stated the file was under review but a sale date had been set for XX/XX/XXXX. On XX/XX/XXXX we were told that the sale date would be sent for a postponement. When we called again today to check on the postponement we were told that the file is in underwriting for review and they have up to 30 days for a response. XXXX stated that we may get an answer in 10-14 days, but the sale is still scheduled for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 XXXXXX/XX/XXXX
Product: Debt collection

EMVLP, LLC

Contact XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Americollect at XXXX XXXX XXXX XXXX XXXX, Wi has a negative balance of {$640.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company, This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Debt collection

This situation is beyond frustrating. Waking up to find a debt I know nothing aboutcompletely unverified and not minehas been an absolute nightmare. On top of that, I have been bombarded with calls, emails, and messages from different sources, using various tactics to pressure me over something I have no connection to. I never imagined I would be dealing with legal threats over breakfast. As a law-abiding citizen, having my rights as a consumer so blatantly disregarded is both insulting and distressing. The mental and emotional toll this has taken on me is unbearableI have been losing sleep over this for days.
Product: Mortgage

my husband and i, 10 years ago obtained a mortgage thru XXXX XXXX Loans, unbeknownst to us it is a 30 years ARM that adjusts every 5 years and is owned by America 's Servicing Company.As of XXXX it has doubled. We applied for loan modification right away, an appraiser was sent to my property to do an external appraisal. This is my first issue, the appraisal is full of such inconsistencies that its fraudulent and the valued of my home that had an appraisal for this mortgage for {$110000.00} was now valued at @ {$61000.00}. I pay property taxes based on XXXX Now i 'm faced with a mortgage i cant afford, a fraudulent appraisal on the XXXX now that values my home for XXXX for what i owe on it.
Product: Credit card

Closed Business Checking Account many years ago and can't get Citi to STOP sending paper advertising to my company address. Called many times and was assured they stopped and it will take 60-Days to terminate. 

Mail continues. Filed XXXX complaint but company doesn't respond and refuses to address this issue.
Product: Credit reporting or other personal consumer reports

Upon recent review of my credit reports from various agencies, including TransUnion, I discovered a significant discrepancy regarding the closed date of an account. Specifically, TransUnion lists the closed date of this account as XX/XX/year>, while another agency lists it as XX/XX/year>. This inconsistency not only raises concerns about the accuracy of my credit report but also undermines my confidence in the integrity of information provided by consumer reporting agencies. According to 15 USC 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ) expressly requires that consumer reporting agencies ensure the accuracy of all information included in consumer credit reports. This obligation extends to verifying that reported information, such as closed dates of accounts, is both current and accurately reflects the details provided.