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

Company RC/RESURGENT RECEIVABL Account number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Telephone number ( XXXX ) XXXX Dear sir/madam I am writing to dispute the presence of charge off of {$910.00} on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated. Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy. Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes. Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Penfed credit union adjusted my loan payment amount from {$590.00} - {$150.00} XXXX the account representative made a mistake with the quote. I made all the {$150.00} payments on time. Penfed reported the payments as late since they wanted {$590.00}. 

I reported Penfed to Consumer Finance and received a prompt letter from XXXX XXXX XXXX President of Collections who said that my account would be made current. 

Yet the letters I received from Penfed Credit bureau specialist XXXX XXXX and XXXX XXXX refuse to contact the credit bureaus to resolve This has been going on for over a year now and XXXX XXXX and XXXX XXXX do not offer a direct contact method. When i call Penfed the agents try to send them messages to no avail. 

Attached are the documents supporting my case. 

XXXX has damaged my credit worthiness through no fault of my own.
Product: Bank account or service

Santander Bank, without giving any reason, asked me and my wife ( we both had our separate individual accounts ) to close our checking, saving and money market accounts and warned us that if we will not close the accounts within 30 days they will close the accounts. The balance in the account was returned after three weeks in my case without any interest. We had no problem with any other bank where we had our accounts or opened new accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection Bureau ( cfpb ) the document needed and letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair creditreporting act.I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company informationtransunion.please delete the following accounts XXXX  account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for immediate compliance under federal law, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681c-2. Your agencys ongoing failure to address the fraudulent information on my credit report is unacceptable and illegal. I have previously informed your company that I am a victim of identity theft, which was a direct result of the Equifax data breach. This breach has resulted in numerous fraudulent items appearing on my credit report. Despite my prior communication, these fraudulent items remain on my report, which is a blatant disregard for the legal obligations imposed on your agency. Under 15 U.S.C. 1681i ( 7 ), you are required to provide a detailed explanation of the steps your agency has taken to ensure the accuracy of the items in question. This includes but is not limited to, the business name and address of any furnisher of information contacted and the telephone number of such furnisher if reasonably available. You have 15 days from the receipt of this letter to comply with this request, or you will violate federal law. Further, under 15 U.S.C. 1681c-2, your agency is legally obligated to block and remove any information that I, as the consumer, consider to be a result of identity theft within four business days of receiving a complaint. You have failed to adhere to this requirement. 
The specific fraudulent items in question include : XXXX XXXX XXXX XXXX - XXXX - My personal information was impacted by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report. These items are UNPROVEN and undocumented, and can not be assumed valid or compliantly reported! Provide proof of your adherence to applicable compliance standards for these accounts immediately. This matter is currently under investigation by the FTC. DELETE these fraudulent items from my report at once! 

XXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Debt collection

XXXX XXXX XXXX XXXX Account XXXX : XXXX and XXXX Absolute Resolutions LLC Account Numbers : XXXX ( {$22000.00} ) and XXXX ( {$6400.00} ) Original Creditor : XXXX XXXX XXXX XXXX These accounts were originally charged off by XXXX XXXX XXXX XXXX. Subsequently, XXXX XXXX negotiated a repayment plan for these debts on my behalf, and I began making payments in good faith toward these obligations. 

However, XXXX XXXX XXXX XXXX sold the accounts to Absolute Resolutions LLC despite the repayment agreement being in place. Absolute Resolutions LLC has since reported these accounts on my credit report. I believe that this action violates the terms of the repayment arrangement established through XXXX XXXX. 

This situation has caused significant harm to my credit profile, and I am requesting immediate resolution : XXXX XXXX XXXX XXXX should instruct Absolute Resolutions LLC to remove these accounts from my credit report. 
Absolute Resolutions LLC must cease reporting these accounts to the credit bureaus. 
If this matter is not resolved promptly, I will pursue legal action to protect my rights under applicable laws. 

Please respond in writing within 30 days of receiving this letter to confirm the steps you will take to address this matter. 

Thank you for your attention to this issue. I look forward to your prompt resolution. 

Sincerely
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

This is in reference of a letter claiming I OWE a debt from you all that i do not claim. Also, it was a threat made at the end of the letter that claimed if I do not respond to you all you will tarnish my credit report and report that unidentifiable .From my knowledge you are breaking multiple laws that will be enforced.We do not have any contract formed that you should be contacting me this is invasion of privacy because I do not know who you are and for you to say that I owe you anything being that you are a debt collector is another form of violation containing the FDCPA law .Every violation found is XXXX dollar violation please remove a ; l information yuou have associated with me immediately.
Product: Debt collection

They keep calling my phone because my brother used me as a reference. I told them before this is not his number and to stop calling but the calls continue.
Product: Credit card

I am filing a dispute for {$1400.00} made to XXXX XXXX for the XXXX handbag purchased on XX/XX/. An empty XXXX XXXXXXXX envelope was delivered to me which I still have as evidence. I promptly instituted a complaint on XX/XX/ with XXXX XXXX XXXX case ID # XXXX, after which the advised me to contact my credit card company for a refund as the bag was shipped through one of their vendors. I requested the information of the vendor from XXXX to file my complaint, information was declined. I also realized that I had 2 tracking # for the same order on XXXX XXXX attached below which is still delayed. 

1. Duplicate results found More than one shipment was found with the following tracking number ( s ). Please click on the tracking number ( s ) below to find your shipment. 

XXXX DELAYED Estimated delivery date Pending PICKED UP XXXX, GA MANAGE DELIVERY TRACKING NUMBER XXXX FROM XXXX, NJ, US TO XXXX, GA, XXXX SHIP DATE Thu XX/XX/2023 XXXX PM PACKAGING TYPE Your Packaging ORIGIN XXXX, NJ DESTINATION XXXX, GA, US SPECIAL HANDLING Direct Signature Required STANDARD TRANSIT Fri, XX/XX/ by XXXX NUMBER OF PIECES 1 TOTAL SHIPMENT WEIGHT XXXX LB SERVICE TYPE XXXX Standard Overnight Duplicate results found More than one shipment was found with this tracking number ( XXXX ). Please select the correct shipment to add to your summary list. 
Table contains details of duplicate tracking numbers that are associated with the tracking number. Column one has the tracking number or nickname and the remaining columns provide the status description of the shipments. 
TRACKING ID SHIP DATE SHIPPER CITY, STATE RECIPIENT CITY, STATE STATUS DELIVERED DATE SCHEDULED DELIVERY DATE SERVICE XXXX XX/XX/2023 XXXX, NJ XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX XXXX XXXX According to the information above the envelope delivered does not have the shipper 's city and state and it is just a bogus shipment with no merchandise. 
I now decided to go to XXXX to enquire about why I have 2 tracking # for the same order. Based on the paperwork I received from XXXX. 
I have consistently tried for XXXX to contact XXXX and the vendor to resolve this dispute to no avail. 
Thank you, XXXX XXXX
Product: Checking or savings account

Accounts were opened under my name by TD Bank. I called several times spoke with customer service and fraud/security. Accounts were to be closed. Then debit cards were mailed to my previous address and forwarded to me. No fraud alerts or info was provided to XXXX. As a result there has been a failed attempt with XXXX XXXX and account opening at XXXX XXXX where 2 small deposits were made to my current bank account with my credit union. I had to place a freeze on my XXXX and the 3 major credit bureaus to try to protect myself from any further fraud. TD Bank was obligated to alert XXXX  of this event to block any further incidents. Because I was not their member no responsibility was taken and I am having a trickle affect as a result. There has to be an accountability to financial institutions to protect consumers from becoming victims of theft. The thieves are more advance than multi billion dollar financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax reports that my credit account is frozen. Attempted to get a loan ( {$5000.00} ) but they reported no credit cards or history. I am XXXX XXXX XXXX and never had issues with credit. when equifax contacted they verified my identity by ssn, dob, address, mobile number, text to same to send back code- then wanted me to send in hard copies of my ss card and drivers license. asked to speak with supervisor- put me on hold after trying to get me to purchase identity theft protection. still do not have the freeze lifted on my account. 
the 'customer service ' rep was not helpful and said that their supervisor would give the same response. very unprofessional and disturbing that a credit reporting company can manipulate anyone 's credit reports to equifax 's liking. as a consumer we have no recourse to this abuse of power
Product: Checking or savings account

I used Credit karma Savings as Adviced to be A Very Safe and Reliable Bank since i was a Victim of Identity Theft I was Very scared to use any Bank at all so I after 1 year of fighting Unemployment for all my benifits to be released and 1 year of no income which made me homeless jobless and the worst of Coronavirus they have finally been Deposited into my Account first it was a problem linking my account than my account was frozen for no reason they asked for vertification Documents which i submitted and my funds been in my account since XX/XX/XXXX with no access for me and me still in the streets homeless and my account froze and last payments returned to unemployment Credit Karma Is the worst i Don't Recommend to anyone in an emergency Situation I Call everyday and get no solution all they say is that department is only Via Email and I Email everyday with no answers or access to my funds
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 XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion Twice via First class mail & also by phone. I asked that they please launch a thorough investigation to narrow down the things that shouldn't be present on my report for I had not authorized nor had any knowledge of the inquiries when and how they were made. I stated that by law that they could not mishandle my credit report in the matter they have without any legitimate proof that the inquires were indeed made by myself. I asked them please remove any invalid information that was on my credit report once they were finished. They have constantly gave me the run around and its been more than 30+ days and counting on my second attempt and over 4 months on my first. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 

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

Incorrect information on my credit report regarding amount owed and status of vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.