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

Notice to an agent is notice to the principal.

To Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

As part of your reinvestigation obligations, I demand the following : XXXX. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : The specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information. 



XXXX. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the reporting.

You are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations.

If you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. 

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

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because XXXX  told me to do so and they deleted XXXX XXXX them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Product: Credit card or prepaid card

I am a frequent XXXX customer and a relative high credit card user. I received a promotional offer via email in XX/XX/XXXX to sign up for a XXXX American Express credit card. The promotion stated that I would receive XXXX bonus points and XXXX XXXX if I spent {$3000.00} within the first three months. I spent the required {$3000.00} within 2 weeks of receiving the card and I called XXXX twice in XXXX to inquire about when I would receive the promotional points. Both times that I called, I was told that XXXX would have have to look into why my points had not posted. I called again today, XX/XX/XXXX, and was told that an investigation had taken place after my previous calls and it was determined on XX/XX/XXXX that I was ineligible to receive the promotion because I had the credit card back in XX/XX/XXXX. Not only do I do not remember having this card, but I was shocked at how rude and disrespectful the customer service rep was being on the phone. I do n't understand why I would receive a targeted promotional offer for a credit card I was ineligible to receive the advertised promotion. To make matters worse, XXXX should have contacted me once they determined I was ineligible. I would not have continued to purchase items with that credit had I known I was ineligible. Now I have spent over {$5000.00} on this card and missed out on points with other cards that I would have used if XXXX XXXX had not been deceptive and misleading in their targeted offer. I am writing because I do n't want anyone else to have the same negative experience that I have had. Please let me know if you need any additional information from me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.
Product: Credit reporting or other personal consumer reports

I was looking at my TransUnion credit report and there was hard inquiry from XXXX XXXX XXXXXXXX XXXX XXXX 2023 that I didn't recognize. I know for a fact I did not apply for any XXXX credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my TransUnion credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in violation and reporting fraud on my consumer report. The company XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of the account listed as XX/XX/XXXX. XXXX has no right to solicit, report, collect and use my information to create a debt obligation to them I never agreed to. Consumer is filing lawsuit against them and Experian. Experian will be held liable for any more damages including previous damages for failure to honor my demand. This is not the first attempt to cure this issue concerning this account. Consumer has keep detail records for proof of claim of not only identity theft by Experian but also FCRA violations, FDCPA violations and Privacy Act violations. The named account within this notice is demanded to cease and desist all collection activities and consumer credit reporting activities. Experian is again on notice.
Product: Checking or savings account

I go to bank every week usually have to stand in line 45 minutes why is this happening when 5 clerks working in bank? But only one person at the counter waiting on people I asked why and they said this is their policy this US Bank in XXXX XXXX XXXX Ohio needs customer services training!
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have been reaching out to IQ Data since XXXX 2016. The right of subrogation does not exist for volunteers or a stranger to the transaction. 73 AmJur 2nd, Section 90. 

I have requested validation from the company and was supplied with inaccurate and incomplete information. 

They have never been able to furnish an accurate, valid, original copy of the original contract that was signed with the original creditor.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX have repeatedly allowed incorrect information to be reported on my consumer report, they have trafficked in my personal information and failed to actually verify information as required by law XXXX ) Bankruptcy - they never verified this info with the original creditor- I HAVE A LETTER STATING THAT THEY DO NOT COMMUNICATE WITH CREDIT REPORTING AGENCIES AND DO NOT VERIFY INFORMATION
Product: Credit reporting

I have XXXX Judgements on my Equifax report. XXXX and XXXX already investigated and deleted months ago. Equifax claims to have completed and verified the investigation however, I have documentation from the courts these cases have been dismissed and or vacated. I have sent this documentation to equifax on more than one occasion and they refuse to properly investigate. I have also sent a letter from the courts stating they do not and have never reported any information to any of the credit bureaus. Equifax is getting their information from somewhere else. I want this resolved as well as reported to the FTC in regards to Equifax not investigating and refusing to remove items that were not ever reported to them by the courts. I want them to pay fees for breaking federal laws and false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert informing me that this company " Veterans United '' home loans requested a copy of my credit report on XX/XX/2022. I have not applied for any loans, mortgages, or other financial products with this company or any of their affiliates. I did not apply for any credit on or around XX/XX/2022. I did not give this company authorization to access my credit report and I have no idea why they did. I have previously been a victim of identity theft and this may be a result of that past identity theft. I contacted the credit bureau directly and was told that I needed to contact this company and alert them and request that they tell the credit bureau to remove the inquiry.
Product: Checking or savings account

On XX/XX/XXXX I made multiple payments to payees by using my debit card because I can not access online banking for 7 months. The payments were posted on my account on XX/XX/XXXX. 

XX/XX/XXXX all payments shows delinquent, late fee and extra fees. 

On XX/XX/XXXX I went to the bank XXXX branch regarding why payee never posted payment plus late charges, extra fees. The branch employee XXXX T notarized bank statement showing all payment were paid and valid. 

On XX/XX/XXXX the amount {$650.00} were deducted from my checking account by bank employee named " XXXX '' ID # XXXX. According to agreement, I have asked him to put funds back to payee to avoid delinquency and all late charge, fees. He agreed before he deducted funds {$650.00} from my account. I also asked him to send me a confirmation letter by mail and email. However I never received confirmation letter and email. 

On XX/XX/XXXX payee repeatedly stated they never received payments. Therefore I contacted bank 's feedback line with case # XXXX. But I never heard anything within 1 business day. Later on I was told that someone put wrong phone number. 

On XX/XX/XXXX I went to branch again in XXXX. I have asked the same employee and her manager why the problem still existed. The banker can not resolve anything for me. I was asked to call bank 's feed back line to report problem again per the direction from branch manager XXXX XXXX. The feed back line gave me another case # XXXX. 

I have encountered extremely difficult time and intention torture because payee continue stated they never received payments. However on my side, I already made payments since XX/XX/XXXX. 

On XX/XX/XXXX I contacted bank by phone, a employee named " XXXX '' told me it takes 30-45 days to put funds back to payee. She said the bank sent a letter on XX/XX/XXXX to payees stating error. 

On XX/XX/XXXX bank 's executive officer XXXX XXXX contact me via phone. He was very clear about what had happened as I described above. 

On XX/XX/XXXX XXXX XXXX contact me again regarding same problem. Because intentional torture and breach verbal agreement, I feel bank employee possess customer 's funds without paying back to payee. I have told the XXXX XXXX the serious consequence : Not only principle {$630.00} shows delinquent, but also there is a extra {$320.00} late fee which lead big financial loss. I have asked the bank to pay damages and losses plus unpaid promotional bonus {$1000.00} for the 30 debit purchases I made in 3 months for 2 checking accounts. 

XXXX XXXX told me it takes 10 business days to resolve the issues. However its been almost two months from XX/XX/XXXX this problem still existed. I had no this issue in the past. I have no choice but to ask CFPB : if its payees fault or bank 's fault? Payee does not provide receipt, no services & benefits, extremely dissatisfied services plus lawsuit for my life damages. Bank does not want to pay promotional bonus which give me extremely difficult time and torture to cause me financial loss. 

I have all proof, evidence upon request due to safeguard privacy and personal information.
Product: Credit reporting or other personal consumer reports

I have asked to have XXXX  XXXX removed from my credit report. This loan is in the forgiving stages and previous to that was in the save act remove this from report. It also states payment summary incorrectly and states last payment was XXXX XXXX XXXX should be blank! payment summary is incorrect and last payment is wrong this is causing me great harm. Remove this from my account or I will sue. All 3 bureaus need to be prosecuted for this great harm it is doing to my credit. I have proof from the state that reflects it is being forgiven no payments due. Remove this immediately while you work on obtaining the records needed. I have requested this multiple times. And experian XXXX and XXXX have failed to do their job! I also request a signed letter that I was asked of it was OK with me for this to be reported on my credit report by law I was supposed to consent. I do not give co sent for this installment loan to be on my credit report! I do not give permission.
Product: Debt collection

XX/XX/XXXX I was notified by the XXXX XXXX XXXX  courts and Guglielmo & Associates that my wages are going to be garnished through my employer. On XX/XX/XXXX Guglielmo & Associates and XXXX XXXX XXXX Courts sent a letter of garnishment starting XX/XX/XXXX. Garnishments were taking out of my pay from my employer of {$510.00} totaling {$1200.00}. all payments were made.

Guglielmo & Associates and XXXX XXXXt XXXX  Courts sent another notification of yet more garnishment of {$240.00} and again on XX/XX/XXXXfor {$240.00}.

I contacted Guglielmo & Associates and the stated that they never received the money from my garnishment.

When looking into my credit report the debt is still listing on my record as unpaid resulting in a low credit score and causing any loan at a higher rate due to this old debt.

My employer contacted XXXX  who handles our payroll and they have copies of the cashed checks proof that Guglielmo & Associates cared the check and never informed XXXX XXXX and creditor, credit one that the payment was made. Im still receiving the upsetting legal notices from Guglielmo & Associates and XXXX XXXX XXXX and my credit score is still being affected.
Product: Credit reporting or other personal consumer reports

I have a problem with TransUnion. 

I created an account and froze my credit report on TransUnion 's website on XX/XX/XXXX. 

To apply for a credit card, I tried to login to unfreeze my credit report on XX/XX/XXXX and XX/XX/XXXX, I was unable to login. 

I reset my password 2 times, I couldn't login. 

I tried to find my user name, they said my user name is " Unable to retrieve username. '' It said I might need to create my account again if I didn't login for long time, so I gave it a try. 

It said I can't create an account because I already have one. ( Please refer to attached screenshots ) I tried to call them, they are unreachable. 

I searched on XXXX to see if I am the only one who has this issue, It seems it isn't just me. 

https : XXXX TransUnion is very irresponsible. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

The debt in question is from XXXX XXXX. I was sued by the debt collector and the law firm started garnishing my wages on XX/XX/18. They contacted my employer without my consent and might have used a third party to obtain my employment history. Never did I mention to them where I work. I called on XX/XX/18 to follow up on this matter but they never did provide the information I requested. 25 % of my wages are being withheld and they have refused to compromise with me on any outside settlement and payment plans.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company United Acceptance will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XXXX so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Product: Credit reporting or other personal consumer reports

I contact XXXX  XXXX about this account, the account is closed they still reported is and old account and expired, They said they would remove the credit amount but they never did, also I had NO loss balance in this account and it appears that I owe XXXX dollars that is incorrect this is a secured card
Product: Credit card

I attempted to use my JCPenney credit card on XXXX/XXXX/15 and I was humiliated when my purchase was rejected. I was told to call a XXXX number. I called the XXXX number and I was told my account had been closed for " inactivity ''. I was told I must use my JCPenney card within 6 months or my account would be closed. 
I used my JCPenney card within 5 months without a problem, my account was still open in XXXX 2015 when I used my JCPenney card. 
I attempted to use my JCPenney card again on XXXX XXXX, 2015 and JCPenney had closed my account fraudulently. 
My account should NOT have been closed and this will be reported on my credit report as JCPenney account " closed '' due to inactivity which is NOT true. 
Prior to my account being closed, JCPenney also decreased my credit limit without notification. I was not notified as to why my credit limit had been decreased. 
JCPenney is conducting fraudulent activity to decrease customers credit limit without their knowledge and close their accounts when customers are not aware of their 6 month " inactivity '' rule. I was told I have to reapply for a credit card. 
My JCPENNEY credit card was used within their 6 month " inactivity '' rule my account should NOT have been " CLOSED ''. 
My JCPENNEY account should be re-opened and my information should NOT be reporting on my credit report as " closed '' due to " inactivity '', this is fraudulent information reporting on my credit report and my account was " closed '' fraudulently by JCPenney.
Product: Checking or savings account

I submitted a complaint to Citi Bank XXXX regarding the bonus miles totaling XXXX for opening a Citi Bank Checking account etc. in which I have yet to receive. Citi Bank responded to my first complaint dated XXXX on XXXX and within the response letter they acknowledge that I have met and fulfilled every requirement in order to receive the bonus miles totaling XXXX. Furthermore, within the letter they confirm that I will receive my bonus miles totaling XXXX on or around the XXXX of XX/XX/2023. Today is XX/XX/ and I still have not received my bonus miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my right. 

15 U.S.C 1681 section 602 A. states I have right to privacy.

15 U.S.C 1681 section 602 A.2 : it also states a consumer reporting agency can not fumish a account without my written instructions