23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have not been provided with my account number so I am unable to use their online platform for making a payment. I called their customer service line and all phone numbers that I could locate on their website and on the papers that I received from them, in an effort to obtain my account number so that I could proceed with paying the bill. Their phone line is inactive ; a recording comes on stating that they are working on getting their customer service back in running order. It is ridiculous that I have not been given what I need from the company in order to be the responsible credit card holder that I am. In my efforts to contact them, I can not fix their error. Online, I can not access my username or any information without the account number. There is no other way to access my account online. I want to be reimbursed for any and all fees and interest charged to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Civil Liability under 15 U.S.C. 16810 for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of **15 U.S.C. 16810** ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information. 

2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided. 

3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations. 

In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of **15 U.S.C. 16810**. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law.

Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. 

Thank you for your attention to this matter. 

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

XXXX XXXX Account # XXXX XXXX Open dateXXXX XX/XX/XXXX XXXX Open dateXXXX XX/XX/XXXX Equifax Open date- XXXX XXXX Last active- XX/XX/XXXX XXXX Last active- XX/XX/XXXX Equifax Last active- XX/XX/XXXX Date of Last payment XXXX  XX/XX/XXXX XXXX Equifax-XXXX XXXX XXXX XXXX late XXXX XXXXXXXX XXXX late Equifax- XXXX XXXX late It is also my understanding that Under the FCRA 15 USC 1681i, every single one even each any or all of the unproven, no compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

Multiple letters sent starting in XX/XX/XXXX thru XX/XX/XXXX. With no response or letters back Calls made with being on hold for hours Dispute online unable to upload documents as asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX AXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXS DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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

My husband, XXXX XXXX, tried to apply for a charge at XXXX XXXX but was denied. They said he'd get a letter from XXXX XXXX explaining why. He received a letter from XXXX XXXX dated XX/XX/19 stating that his application was denied because TransUnion told them he was deceased. He most certainly is not deceased. I phoned TransUnion about this misinformation provided to XXXX XXXX, but they refused to correct their misinformation. I believe it is TransUnion 's responsibility to correct false information that they have provided to a company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax failure to correct the disputed accounts in accordance with 15 U.S.C. 1681 ( i ) is a violation of federal law. As of this date, I demand : 1. Immediate removal of the erroneous entries.

2. A written confirmation of corrective action within 5 business days.

I demand that Equifax immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : Collection XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Collection XXXX : XXXX XXXX XXXX, XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over 120 Days Past Due : XXXX XXXX XXXX XXXXXXXX XXXX Equifax previously reported these accounts as verified, but I requested proof in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) AND Fair Credit Reporting Act 609, and Equifax has failed to provide any of the following : 1.Verification documents 2. Name of the original creditor 3. The creditors address and telephone number 4. Name of verifying individual 5. Copy of contract between me and Disputed Creditor 6. Purchase agreement of debt 7. Insurance claim documentation XXXX. XXXX XXXX XXXX XXXX XXXX ) with original creditor 9. Statute of limitations documentation 10. Date of last missed payment 11. The documentation used to verify the dispute If Equifax is unable to respond in a timely manner and provide the above items, please delete the accounts from my credit report to prevent further damage and if these actions are not completed promptly, I will pursue statutory and punitive damages under 15 U.S.C. 1681n. Equifax intentional non-compliance will also be reported to the FTC, CFPB, Florida Attorney General and state regulatory agencies. 

Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy and send me a written confirmation of corrective action within XXXX business days. 

Documentation : Complaint ID with CFPB # XXXX and # XXXX Also, as asked Equifax before, they need to please correct and delete the following personal information : Incorrect Current Address : Delete Employer History : Delete Address History :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent 3 certified mail letters to 3 credit reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX regarding FCRA , METRO 2 standards violations on my credit report and an alleged debt of {$1300.00}, that was not verified and not validated as per USC 1692g. 

XXXX, XXXX tried to correct the FCRA, METRO 2 violations but they still remain, I'll add two credit reports as proof, one before sending the letters and one after, further they did not verify and they did not validate the debt as per USC 1692g i.e, provide irrefutable proof of loan contract with original wet ink signature.

Equifax didn't take any action at all.

This is a gross violation of my rights and privacy and I plead CFPB to take swift action.
Product: Credit reporting or other personal consumer reports

I CHECKED THE DATA BREACH FROM EQUIFAX AND MY NAME AND LAST XXXX WAS INCLUDED
Product: Credit card or prepaid card

I really didn't see choices that fit so I hope this goes to the correct place. Today, XX/XX/XXXX I signed on to Chase.com to pay a mortgage and credit cards. At sign in a screen appears that directs me to read and accept an Electronic agreement and a Digital agreement. If I do not agree I will not be forwarded to and no longer have access to the accounts. Now I know I'm expected to click and continue as 99 % do but I have a little time, stuck at home you know, so I read. The first document is 9 pages long. As expected it is written to completely obfuscate its intent but I kind of get the drift. The second, attached, is a full 49 pages long and written even worse. I am not supposed to understand this unless I spend several hundred dollars with an attorney to decipher it. 
I understand the need to be legally specific but when it deliberately descends into the totally incomprehensible one can only assume that there is little good and much bad for the consumer. This thing was not written for my benefit. 
The proof will be how many actually read it let alone understood. Not good.
Product: Credit reporting

On my Equifax credit report, there is a OPEN collections under the collection agency name XXXX. It is to XXXX in the amount of {$230.00}. I had already paid off this collection years ago and there is proof of it under a closed collection file name XXXX XXXX XXXX. It shows it is also XXXX, but in the amount of {$230.00}. I want Equifax to fix the errors so it doesnt show up unpaid on my credit report.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.
Product: Credit card

Never said AMEX GOLD XXXX XXXX XXXX benefit was limited to main cardholder during enrollment Failure to inform and missed credit Chat & " management '' refuse to assist and blame fault on user
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, don't recognize nor authorized these Hard inquiries. 

XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I been having issues with my credit and been checking my scores online with XXXX XXXX and noticed XXXX Hard inquiry again someone use my info for fraud. They applied for a XXXX XXXX card in XX/XX/2017 and took a loan in year XX/XX/2017. Also they have employment info as XXXX XXXX I never worked there or know what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

XXXX, Transunion and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Product: Checking or savings account

On XXXX with the Chase executive team confirmed XXXX claim # XXXX was denied by Chase based on an internal review by Chase claims. The reason that was providedis that the paymentwas completed via XXXX XXXX  and all other XXXX XXXX transactions for that date were not denied. This decision was made by XXXX, a claimsmanager. We have made several requests for proof that the transaction was authorized by the account holder but have been told that whatever information that was provided by the merchant is internal only. The refusal to provide proof of authorization is a violation of the Fair Credit Billing Act.It is in fact also noted in the third bullet point of your claim letter to contact Chase to request the information used for research. However, no documentation that proves authorization has been provided to us as the accountholders. 
Further, per XXXX and XXXX it has been raised that not all transactions on the same day of this claim were disputed and isthe reason for denial. We have already been in contact with XXXX to request a transaction of all XXXXXXXX XXXX purchases and per XXXX there are not any recorded. We can not find any record as there is not a transaction history available for us to review. This is the reason we contacted XXXX who has no history of XXXX XXXX transactions to provide us with. 
I have spoken to XXXX different departments today asking for all XXXXXXXX XXXX transactions specifically for the dates of XX/XX/22, XX/XX/22 and XXXX. This is a request for all XXXX transactions between the dates of XXXX.
Product: Debt collection

I received notification that a $ XXXX balance was posted to my credit report from a company called Penn Credit Corp , attempting to collect for XXXX XXXX XXXX. This was surprising, since I have not even lived in XXXX for 5 years and had always paid my XXXX bills on time. 

Penn Credit Corp and XXXX have not been able to prove to me how I incurred these charges. My account on XXXX 's website doesn't even work anymore, so I have no way of checking myself.
Product: Credit card or prepaid card

I disputed lots of fraudulent payments with discover credit card services and I called XXXX letting them know I never applied for a discover credit card and they put the payment in disputes and within months it was denied by XXXX XXXXXXXX payment systems and I lost lots of money and I never authorized these payments in my name and my checking account was takeover by a thief and XXXX  XXXX has a history not giving people money backs in the past and they are not doing there job at all .discover credit card uses XXXX  XXXX as there bank to collect payments and there bank has denied my claim and refused to refund me these fraudulent payments to me .. I never applied for a discover credit card and I would like my money back that was stolen from me or I will consider legal actions
Product: Debt or credit management

JG Wentworth took me as a client. They made it seem like they were going to help me with my debt. All they actually did was let my debt grow much higher, then set up a payment plan and chsrge me " fees '' which amount to what i owed anyway. 

I had an account with XXXX XXXX which they started to make payments on... 

In the process with JG Wentworth i asked to have my payments switched to bi-weekly and taken directly form my checking account after each payday. 
When they did so it caused them to miss a payment to XXXX, and XXXX ended the agreement with them. 

I started getting emails from XXXX XXXX  saying i owed them for monthly payments and i was deliquent. I called Jg Wentworh several times and e-mailed several times and got no response. I then called XXXX and got a settlement offer myself. 

When i called Jgwentworth to tell them to take XXXX off my account, they told me i was still responsible for almost XXXX XXXX in " fees '' even if its removed. 

They are dishonest, and prey on people in a tough situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranuoin agent will not help with remove inquiries