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

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Equifax, block information appearing on my credit report that is the result of identity theft and fraud.

Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XX/XX/2014 under account number XXXX. 

I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft.

Demand for Relief : I request that you, Equifax, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX-20, AND XX/XX/XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the bureaus for failing to comply with 15 USC 1681i ( investigation of disputed information ), 15 USC 1681e ( b ) ( accuracy of information ), and other related provisions of the Fair Credit Reporting Act. Despite sending multiple letters requesting investigation and correction of inaccuracies on my credit report, they have not complied with my requests. 

Additionally, I recently learned that the CFPB has filed a lawsuit against XXXX and XXXX for similar actions, citing their failure to properly investigate credit report disputes and their failure to remove or correct errors. I believe this is directly applicable to my case, as I have experienced similar issues, including inaccuracies that remain uncorrected despite my efforts. on multiple accounts these accounts appear on my report multiple times. 

XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act National credit systems acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct # 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.
Product: Vehicle loan or lease

1. Lack of Verification : Upon reviewing my credit report, I have found that the alleged repossession has not been properly verified. Under the Fair Credit Reporting Act ( FCRA ), it is required that any information on my credit report must be fully verified as accurate and complete. In this case, the necessary documentation to verify the accuracy and legitimacy of the repossession has not been provided.

**2. Legal Compliance : ** The repossession in question appears to be unlawful due to non-compliance with applicable legal procedures. This non-compliance further invalidates the entry on my credit report. As per the FCRA, only accurate and legally compliant information is allowed to be reported, and this entry does not meet that standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC ( Enhanced Recovery Collection ) continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry was placed on my credit reports and ERC never communicated in writing nor notified me that they were attempting to collect on this debt. I have never conducted business with ERC nor have I ever heard of them. 

Once I became aware of this entry, I immediately disputed this erroneous, inaccurate entry with the bureaus. To my dismay, the bureaus reported that ERC had verified the entry they are reporting. To that end, I disputed directly with ERC and to date, they have not responded to me. They have not provided sufficient documentation to prove the veracity of what they are alleging. ERC is blatantly reporting this negative entry on my credit profiles and updating them monthly further damaging my creditworthiness for an entry they violated my consumer rights in reporting. 
No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. 

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that ERC has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Product: Debt collection

I had a biz CC ( AMEX ) debt that I believe was written off by AMEX after we went to court in 2018. Lately the collection company XXXX XXXX XXXX XXXX has been calling me on my cell phone at various times of the day, usually before XXXX. I advised them that as this was a business debt they should call me at my store after XXXX PST. The call calls continued. 

I don't mind them calling as long as the hour is not too early according to my schedule ( not theirs ) and to my business phone number, not my cell number. 

I finally called them back, told them I thought the debt had been written off by AMEX and figured XXXX XXXX XXXX was fishing. AMEX has never tried to contact me by mail or phoe during the 2 years.I was turned over to XXXX XXXX. She (? ) was pleasant and cooperative and promised to resolve the phone number issue, etc. 

However, I still believe the debt was written off by AMEX, I paid taxes on the paid off amount, and believed the matter was settled, especially after 2 years. I'm not sure I should start paying this collector. 

Thanks for any assistance you can offer in resolving this matter.
Product: Mortgage

XX/XX/2020 started process of purchasing manufactured home from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They refuse to give us the cost of the home we chose. We were told that they couldn't give us a price until we have been approved for financing. XXXX XXXX XXXX, XXXX Sales person XXXX XXXX requested many financial documents from us, which we provided. Then another person from XXXX XXXX XXXX XXXX requested the same documents. Then we got requests for the same documents from XXXX XXXX AmCap  Mortgage, Ltd. XX/XX/2020 we put down a deposit of {$1000.00} went over options, were sent a list of options we chose that was incorrect, and were told things that come standard were optional extra upgrades. We felt we were getting the run around and contacted another XXXX XXXX dealer in another state. We were given the name of someone higher up that may be able to help us XXXX XXXX who has been putting us off. XX/XX/2020 we paid an assessor fee of {$820.00}. Another person from AmCap contacted us XXXX XXXX and asked for all the documents again including current statements. XX/XX/2020 we asked XXXX XXXX for an update ; his response " I believe the lender is working with the appraiser on some corrections. I don't have an eta for completion ; but, I would think they are nearly done ... '' To date we have had no communication whatsoever from any individuals/entities associated with these organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$46.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have attempted to resolve this issue once with IC System, Inc. ( " IC '' ) and the original creditor, XXXX XXXX XXXX  -- in XX/XX/XXXX -- and one previous time with XXXX XXXX XXXX -- in XX/XX/XXXX -- which attempt went unanswered.

I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX   when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}.

In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX  account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt.

In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC -- apparently without having been reviewed -- plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure.

I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX  Transunion and XXXX  regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX COURT Account Number : XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA and XXXX  have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to XXXX  and the copy of the credit report.
Product: Checking or savings account

On or about XX/XX/XXXX, I wrote a {$5000.00} check ( # XXXX ) from my XXXX XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX and deposited that check into my TD Bank account in XXXX South Carolina, through mobile deposit. 
Approximately Seven ( 7 ) months later, on or about XX/XX/XXXX, XXXX XXXX called me and informed me that someone tried to deposit the same check # XXXX that was written on XX/XX/XXXX into a XXXX Bank account. Because I did not make the deposit, XXXX deemed this as fraud and did not clear the check. 

A month later, on or about XX/XX/XXXX, I noticed {$5000.00} was missing from my TD Bank account, the same account where check # XXXX was deposited. When I called TD bank to inquire about the missing money, I was informed by TD Bank that since the same check ( check # XXXX ) was presented into a lockbox deposit, they had to reverse that check. However, these funds were not reversed into the XXXX account from where originated. Instead, the funds were sent to a XXXX Bank account. I do not have any XXXXXXXX XXXX  XXXX. Importantly, the check ( check # XXXX ) was not a TD Bank check, it was a XXXX XXXX check. Additionally, the check was not endorsed on the back of the check. So I do not understand how this check can be paid by TD bank while the issuing bank XXXX refused to honor this check. 
TD Bank has refused to file a fraud report and the reasoning they have given me for the reason they refuse to file a fraud report is because it was not a TD Bank check. However, the check ( check # XXXX ) was originally deposited by me into my TD bank account and the check ( check # XXXX ) was processed a second time by TD bank and sent by them into a XXXX Bank account, where I not have an account. 

More over this check was presented 6 months after it was written and it was not endorsed by me. TD bank is refusing to give me back my money.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 )

says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus Experian, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit card

I have XXXX credit cards with Chase Bank. Neither were near their balances. I have been traveling and using the cards. On XX/XX/year> I received a notice that they cut my credit lines and cut them back to near their balances so now the cards appear to be nearly maxed out. I have no history of late payments. I had an auto loan with them that paid off a little early. I have no late pays on any of my credit accounts, but chase decided to cut my line to make me have XXXX maxed out cards. I contacted them via messenger because it was late at night when I received the notice. I was told I'd receive a response with in XXXX business days. on XXXX I received another letter stating they'd stop trying to contact me regarding my concern, but I could call if I want to discuss. No one has contacted me about the concern that they are now going to damage my credit score by reducing my lines and having XXXX maxed out cards -- because of them, not me. I find it very concerning that no one reached out and now " they're going to stop '' trying when they didn't start. This is absolutely unacceptable and harmful. I have had a relationship with them for nearly XXXX  years and not a single late pay. This was unwarranted and damaging to my financial situation.
Product: Credit reporting or other personal consumer reports

Delete these accounts : fair resolution In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.