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

Enclosed is a copy of the lawsuit that I filed against you in XXXX court on XX/XX/2018. Currently, the Pretrial Conference is scheduled. 

The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 

Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, 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. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 

Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 

You may contact me before court via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I have already won a similar lawsuit. Enclosed is a copy of that settlement. If you accept the same terms as XXXX  did, then I will dismiss my lawsuit against you and you will not need to appear in XXXX, New York. 

The items to be removed from my credit report are listed as follows : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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.
Product: Money transfer, virtual currency, or money service

I went to my ban k (   XXXX   XXXX   XXXX   ) a nd got a cashiers check for {$2000.00}. I then took that casheirs check on  XXXX   XXXX ,    2017   (  the day my rent was due ) and deposited that cashiers check into my landlords account at his bank  ( Chase Bank ). The tell er who helped me at chase bank handed me a deposit slip and said I was ok to leave, so I left thinking everything was okay. My landlord then called me several days later saying he never received our rent and was threatening with eviction so I went to the bank immediately to figure out what was happening. Chase bank said it was an error on their part and that they would credit my landlord the {$2000.00} while they figure out where the original cashiers check went. Again, I left chase bank thinking everything was ok. I then get a call from chase bank a week or so later to find out that they closed the case, took back the credited {$2000.00}, and are basically trying to tell me that they never received the cashiers check in the first place and have no record of it. They then told me I need  to get a surety bond so that I can place a top check on the original cashiers check and get a new one issued. I called the company that I 'm supposed to get a surety bond from and he told me that this whol e situation sounds fishy and that he had dealt with something like this before and it turns out that the bank was doing something they should not have been doing. He told me I should call the FDIC and have the whole case checked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a XXXX account on my credit report- which was not mine. I contacted the company and they told me they did not have my information. I then contacted experian on X/XX/17- was told that my personal information may have been mixed up with someone else and they would investigate however, it remains on my credit report. I called again and was getting the run around
Product: Mortgage

On XXXX-XXXX-2017, I sold my house to my son. During the process, I sent Quiken Loans a copy of the property taxes that I, the seller paid in full for tax year 2017 to XXXX XXXX, Georgia. Once the house closed and I received my final check, I realized that the loan company had deducted the property tax of {$1500.00} from my final check! After talking to three people including upper management, I was told that in order for me to get my money back I would have to get the money from the buyer or the buyer would have to re work his loan to add the funds to his loan. These taxes were paid in full as required by law before this loan was finalized. Quiken Loans kept this money to pay taxes that were already paid upfront in full. That's double taxation on the loan companies part! They, Quikin loans, had no write to require me or the buyer to pay a bill that was already paid as required before the loan was finalized. Therefore, I want, deserve and demand my {$1500.00} back in my pocket where it rightfully belongs!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the corrections and or deletion of these items.
Product: Debt collection

XXXX XXXX XXXX XX/XX/2023 {$1900.00} I see this debt on my credit report and i told the company that it does not belong to me and I still see it up there. I never recieved a letter to attempt to even collect the debt.
Product: Credit reporting or other personal consumer reports

To management name as : XXXX XXXX XXXX This letter is to notify the management name as XXXX XXXXXXXX that your company placed and unauthorized inquiry on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 1.Permissible purpose 2. My written authorization 3.Proof that I personally initiated this inquiry.

Either provide me strict proof are delete the items immediately.if you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.if you ignore this letter and don't delete the inquiry or don't provide strict proof of the authorization I will have no other choice but to have my local congressman promptly froward a formal complaint to the federal trade commission and attorney general for further scrutiny of this matter
Product: Debt collection

Since XX/XX/2016, I have been trying to work with American Express on a credit card debt of approximately {$11000.00}. Prior to this time, I had a high-paying job, which I lost, and I am also going through a divorce. I had a number of other big-name creditors ( XXXX, XXXX, XXXX ), all of whom I contacted at the time of the job loss and with whom I worked out a payment plant. I have been paying all of these other debts on time and have never received a single collection call from the other creditors. I attempted to work out a payment plan with American Express similarly but on four separate occasions, the caller threatened to damage my credit if I did not pay a certain amount at that time. <P/>They refused to work out a payment plan with me ( not a settlement, I fully intend to pay off all of the debts in full ) until I paid the set amount they demanded on the phone call. Often, I did not have enough to cover the amount, but I paid it anyway because I was worried about ruining my credit. I also began working with a credit consolidation agency recommended to me by XXXX called XXXX XXXX XXXX. I wanted the AmEx debt to go onto this consolidated payment plan, but AmEx apparently refused according to XXXX. Until XX/XX/2016, I had never missed a bill or had a late payment in my life. My credit score was in the high 700s. Now it is in the low 500s, because AmEx is claiming I am not paying, when I have made every attempt to come to an agreement with them. They are making daily calls to my cell phone. I have asked them to stop and said I have repeatedly made attempts to come up with a payment arrangement. They continue to refuse to make a payment arrangement with me unless I pay the collector on the spot right at the time of the call. I believe that this collector is actually affiliated with AmEx and not from an outside agency. They even called my parents in Ohio, saying they were " trying to get ahold of me, '' which upset my parents a great deal. <P/>I simply do not understand what I did wrong here. Every other creditor, including some health care creditors and other big banks, have worked with me exceptionally well and I have paid off my negotiated plan without any issues. This single creditor I believe is using harassing phone calls and deceptive tactics ( telling me they will work out a payment plan with me after I pay, and then doing the same thing the next month ). I am very upset, but am lucky to have some good resources at my disposal -- I worry that this company is taking advantage of others who do not. I want the calls to stop, I want the creditor to make some reasonable accommodation for me to pay the debt and I want them to treat myself and their other customers with honesty and fairness.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this letter to dispute the following inaccurate information on my credit report. I am disputing any and all debts, I am also requesting that the following items be removed off of my credit report immediately! I am also revoking any and all rights of communication between myself and the collection agencies whether it is by mail, email, text or phone calls. I am requesting debt validation as well as the purchase agreements the collection agencies and the original creditor. I will also like written proof that they are licensed and bonded. 

The collection agencies have violated the following consumer laws12 CFR 1006.34 ( b ) ( s ) but yet they have placed a collection on my consumer report I was not given a chance to dispute account according to consumer law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agencies is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. 

The collection agencies has no authority to furnish any accounts to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) The are the following account DISCOVER BANK
Product: Credit card or prepaid card

I applied for a card with a promotion through Frontier Airlines on XX/XX/XXXX. During this time I was supposed to receive a {$200.00} voucher for getting approved for the card. Long story short, we never ended up getting the voucher, nor did we ever receive the credit cards, billing statements, welcome packets etc. etc. The card was through Barclay 's bank of Delaware. I still do not have any cards nor do I have any paperwork regarding the credit to a Frontier Airlines account. 

The problem that i have is that all of the sudden, I receive notice that I am 30 days past due. I have never missed a payment in my life, and I have perfect credit. This alone had dropped my credit score 50+/- points. The 30 days past due is from Barclay 's saying that I never paid the annual fee. This was never paid because I was never notified nor did I receive the benefit of the {$200.00} voucher from Frontier airlines in regards to being accepted on this credit card. 

I have done my due diligence and called multiple times over the last couple of weeks. You get put on hold, bounced from person to person, and then you get hung up on. on Tuesday XX/XX/XXXX I spent a total of 4.5 hours trying to get this resolved with nothing being taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
Synchrony Bank I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Collection XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Collection XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$3700.00} Late/Open Inquiries in Dispute : XXXX & XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the data breach. I filed a complaint through XXXX that the names on my credit report are not me. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX is not me. I submitted my ID to show them and all then nothing happened and I never heard anything back from them again after they said they are reviewing the information. It was in year 2021 I tried to fix this, but it's still on there, so I cancelled my XXXX service with them because they did nothing to fix it or said anything about it a couple months to a year later which is why I cancelled my service with them. My attachment shows the proof.
Product: Checking or savings account

On XXXX/XXXX/XXXX I cantacted USAA bank about a direct deposit of {$2900.00} from my college for federal student aid made to a closed/charged off account. I informed them that the deposit was not supposed to have been sent to that account and USAA refused to reverse the payment stating they used it to cover a negative balance on a closed account.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : 1. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA. 
2. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities. 
3. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA. 
4. Removal of any information obtained or processed in violation of my privacy rights or applicable laws. 
5. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report. 

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made. 

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I have two accounts in collection for XXXX XXXX. I am unsure of how that happened because I do have an active account with XXXX. When I called and spoke to XXXX, they stated that one was from an address at my mothers house, which was paid in full but they say it was not, and we have proof. They said the other was from when I moved services, the representative said that instead of transferring the services, they cancelled the account and switched it to a new account and never forwarded me a bill for the previous property I had services at. Now I have two accounts with them in my collections on my credit report, but though some collection agency I have never heard of or spoken to. I have yet to receive documentation on the debt collectors part for those two separate collections they have on my accounts and credit report. One account in collection is not supposed to be there because it was paid for in full in person at a XXXX  store, and the second one was at the fault of XXXX incorrectly transferring my services and instead canceling my account and opening a new one without my knowledge nor sending me a bill for the previous account. I have called XXXX  and they are of no help and will not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received email dated XX/XX/22 about my loan application on XXXX. I never authorized or initiated a loan application. This was not me. My complaint is that they are not thorough enough in their process to identify that whoever applied was not me.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Omni has been calling my family members including my ex-husband and father about a debt that neither of them are connected to. This is harassment and designed to embarrass me. It needs to stop. They have also been calling me at least 6 times a day