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

My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to XXXX blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, anxiety, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Product: Debt collection

received letter dated XX/XX/XXXX from ERC stating that I owed a debt to XXXX, acct # XXXX in the amount of {$430.00}, reference # XXXX. I have never held an account with XXXX and do not owe them any money. This is a fraudulent attempt to collect money from me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed
Product: Credit reporting or other personal consumer reports

I sent a dispute online to have the non mail able addresses and phone numbers removed from the credit bureaus. On XX/XX/year> to each credit bureaus. Nothing has been removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to delete the following information in my file. The item ( s ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( s ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( s ) as soon as possible.
Product: Mortgage

Last month I received my annual escrow analysis which should I have roughly a $3,800 escrow surplus. I am currently two mortgage payments behind going on three in XX/XX/XXXX. I requested in writing like they told me to do to hold the three payments from the surplus. After doing as they instructed I receive an email reply back stating that the escrow surplus was used to reduce the monthly note.      It wasn't at all. The rep doesn't even know how to read the analysis. The note was reduced because the amount being disbursed from escrow was reduced from the insurance. I have spoken to four different reps, and sent various emails with no help. I even asked to be escalated to a manager and still nothing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an unauthorized item on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). According to this section, it is illegal to report information on my credit report without my permission or that is the result of identity theft or error. 

The item in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Reporting:1XXXX This item has been placed on my credit report without my authorization or involvement. As per Section 605B of the FCRA, I am requesting the immediate removal of this item from my credit report. 

I request that you investigate this matter promptly and provide written confirmation that the item has been removed from my credit report. Please also send me an updated copy of my credit report reflecting the removal of the disputed information. 

If you have any questions or require further information, I can be reached at XXXX Thank you for your prompt attention to this matter. I look forward to your resolution within the 30-day time frame as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX, Discover Card Services hired the Law Firm of XXXXXXXX XXXX XXXXXXXX to file a lawsuit against me for an outstanding credit card debt. I was not aware of this debt or of the court filing nor was I ever served. The law firm presented documentation to the court that I was served and a default judgement was granted. In XXXX, my wages were garnished and became aware of this judgement. At that time, I contacted the law firm who was uncooperative and refused to provide any additional information. As recommended by the Sherriff 's office, I filed a Claim of Exemption in which XXXX XXXX XXXX did not respond. In XXXX, I became aware that an extension was granted to extend the original judgement. Again, I was not served and did not have knowledge of this filing. I immediately filed a Motion to Vacate that judgement, however, at the hearing, the judge made a pre hearing decision to deny my motion. I again, contacted Discover Card 's attorney for proof of this debt but they refused to provide that information. I then contacted Discover Card Services directly and requested proof that this debt belonged to me and that is was a valid debt. I advised Discover Card that I had a credit card with their company that was opened in XXXX but has long been closed. The judgement was against a card in my old married name and was ( per Discover Card ) opened in XXXX. Discover Card advised me that they would open an investigation for fraud and advise me of their decision within 90 days. On XX/XX/XXXX, I received a letter from Discover Card stating that the debt was valid. " Our records reflect that the account was opened in XX/XX/XXXX. The account was applied for via the internet, and a name, address, and social security number were provided so that we could process the application. '' Discover Card also advised that have not sold this debt. On XX/XX/XXXX I sent a reply via XXXX Mail requesting proof that this debt belongs to me and as the original creditor that they instruct XXXX XXXX XXXX to provide proof that this debt belongs to me. The file has remained open since the original court filing and should contain proof of debt. Discover Card has not responded to my request.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Payday loan, title loan, or personal loan

I was approved for a debt consolidation, personal, unsecured, installment loan on XX/XX/XXXX. The loan was funded on XX/XX/XXXX, with {$2800.00} direct deposited to my bank account. The XXXX in XXXX form indicates payments of {$20000.00} were send to XXXX as a payoff for one loan I was consolidating and $ {$15000.00} to XXXX for paying the 2nd loan. I confirmed my XXXX and XXXX account numbers on the TIL and online to ensure any payments made on my behalf were applied correctly. Upgrade indicates XXXX XXXX XXXX  sent paper checks to addresses in XXXX, TX ( I have specific addresses if helpful ). I am unable to confirm check numbers, receive a copy of the checks, or other confirmation. XXXX and XXXX have both indicated they never received payment for my loans from Upgrade or XXXX XXXX XXXX. On XX/XX/XXXX, the checks to XXXX and XXXX were cancelled and Upgrade indicates that the funds will be direct deposited to my bank account " in a few weeks '' with a " no later than '' date of XX/XX/XXXX. 

I have been charged interested on all XXXX loans and payments on all 3 loans. Specifically, my complaint with Upgrade and XXXX XXXXXXXX XXXX  pertains to the collection of interest and a payment in the amount of {$950.00} on XX/XX/XXXX for a loan that has not funded. I further express my complaint that it will have over 6 weeks since disbursement of the loan to the date that I will have received the funds. Upgrade/XXXX XXXX XXXX were able to direct deposit the initial difference of funds into my bank account immediately, putting me on the hook for payments and interest on the {$2800.00}, but can neither expedite nor confirm an actual transaction completion date. I remain concerned that I will not see the funds from this loan and have a 2nd full month of interest and payments on all 3 loans.

My final complaint is the lack of response to follow-up with Upgrade. While I have learned to get through their system by selecting options that make me appear as a new applicant, when I call customer service as an existing loan holder, I have waited on hold for as long as 3.5 hours ( but usually give up after 45 minutes on hold ) with NO attendant response. I have emailed and received an automated response that it will be 3 to 5 business days to hear back. My emails sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remain unanswered. I have been given some information by getting to their phone system, but most answers to questions are unanswered. 

Nobody can confirm check numbers sent on my behalf as defined in the Truth in Lending statement. Nobody can tell me how to opt out of the Arbitration agreement with XXXX XXXX XXXX. I suspected the last one and will consult legal counsel if required.
Product: Credit card or prepaid card

I rented a car from XXXX in XXXX, XXXX on XX/XX/2018 and I returned it on the scheduled drop off day. When I returned the car I checked it thoroughly with the XXXX agent present and no damages where found. I was also asked to sign a report stating that no damages were found to the rented vehicle. On XX/XX/2018 I noticed a charge of {$350.00} on my credit card from XXXX. I did not authorize this transaction, and I did not know what this charge was for. 
I disputed this transaction with Chase, my credit card company, but my dispute was denied because " We [ Chase ] found no evidence of a billing error based on our research and the information available to us '' ( Letter dated XX/XX/2018 ). This letter came with an invoice for damages - XXXX euros and fee XXXX euros - but no other details or documentation about the alleged damages. 
Since I did not damaged the rented car, I asked Chase to reopen my dispute case ( Claim ID : XXXX ). 
Last month I received a letter from Chase dated XX/XX/XXXXstating " We [ Chase ] confirmed that the transactions you disputed are valid '' and " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred o your account. '' " We [ Chase ] maintain that the charges is valid based on the information available and the results or our research ''. 
The disputed charge is totally arbitrary and unsupported.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with XXXX XXXX on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue. 

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the XXXX XXXX account. 

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Specify the precise date when the XXXX XXXX account was initially established. 

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the XXXX XXXX account was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so. 

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to their failure to accurately report the status of a closed and charged-off account on my credit report. Despite multiple disputes and direct communications with XXXX, the account continues to appear on my credit report inaccurately. 

This ongoing issue has severely impacted my credit score and financial well-being. The charge-off status is particularly detrimental and unjustified, as I have provided XXXX with all necessary documentation to prove the inaccuracy, yet they continue to verify the erroneous information. 

I am seeking the CFPBs assistance to investigate this matter and require XXXX to remove this closed and charged-off account from my credit report within XXXX days. Your prompt intervention is highly appreciated. 

Thank you for your attention to this urgent matter. 

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

XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed these same documents on XX/XX/2020 via certified mail for investigation but it does not appear they were not used in the investigation of my dispute that was assigned Experian report number XXXX. These documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX. 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 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.
Product: Credit card or prepaid card

I filed a claim with the Bank of America related to unauthorized claims that were made against my government benefits card back in XXXX to XXXX. The following transactions are connected to the transactions that I filed : Dispute number : XXXX amount {$1800.00} Dispute number : XXXX amount {$1000.00} Dispute number XXXX amount {$1800.00} The transactions have been investigated since XXXX. I filed these claims and I was misinformed that they were closed. As of the date and time of this complaint, I am on the phone with a representative from the bank and he says that the claims are still being investigated with no resolution. I am requesting the agency look into this.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX several times about security credit services. XXXX is reporting inaccurate information on my credit report and is in violation of the fair reporting act. XXXX has posted XXXX security credit services accounts that displays negative and inaccurate information such as the amounts, spelling of my name, the amount of missed payments, the original creditors information, date of birth, length of account, etc. These accounts need to be verified or removed from my credit report within 30 days based on federal law.