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

It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that Experian and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with Experian and seeking its removal from their credit report under the Fair Credit Reporting Act.
Product: Debt collection

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Debt collection

CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ). 

As the consumer, the natural person, natural creditor, administrator, and executor, I legally refuse to pay this alleged debt pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor. 

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts. 

3. Pursuant to 15 USC 1692C ( c ) ( 3 ), I demand you delete all my accounts. 

SEND ME A COPY OF MY CONSUMER REPORT UPON COMPLETION. 

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.
Product: Credit reporting

I have attempted through disputes, on several occasions to get Equifax to remove tax liens from my credit history. I have supplied them with actual notices and copies of recorded documents indicating lien withdrawal from the Federal IRS for the liens in question. The courthouses in question do not have a category for Tax Lien withdrawal, so they file them as " lien releases '' which is not an accurate categorization. Equifax has done only half of an investigation into this issue by looking only at the title of categorization listed online, rather than actually opening the documents and verifying them.
Product: Debt collection

I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Equifax can claim to verify this alleged debt when the Collection Agency itself obviously can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XXXX XXXX XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXX XXXX  again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action.

If you continue to list the disputed item on my credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

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

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.
Product: Checking or savings account

My wife and I opened a joint checking account on XX/XX/XXXX with our gift money from our recent wedding. The personal banker said that my wife was eligible for the current promotion since she was a new customer ( XXXX, Offer 1 Get a {$400.00} bonus for completing the following activities with your new checking account in the first 150 days, Offer 2 Get a {$200.00} bonus for opening a Platinum Money Market account, depositing at least $ XXX in new money and keeping it for 90 days, Offer 3 Get an additional {$100.00} bonus when you complete the requirements for Offers 1 and 2 ). 

We asked if opening a joint account would still qualify, since I was a current account holder. The banker said that she would still qualify for the promotion, so we deposited all of our savings with XXXX. He asked us if we would like to open a credit card, which would provide an additional incentive. We declined, and he light-heartedly told a coworker that he was giving us {$700.00}, and he tried to give us more ( with the credit card offer ), but we didnt want it. I believe he acted in good faith and sincerely thought that we met the eligibility requirements. 

We lived paycheck to paycheck for several months to keep enough money in the money market account, signed up to directly deposit our paychecks in the checking account, enrolled in online banking, and began paying bills online in order to meet the requirements of the promotions. After meeting the requirements for Offer # 2, we received the {$200.00} promotion. 

However, after meeting the requirements for Offer # 1 and Offer # 3, we did not receive the {$500.00} bonuses. I sent an email through the online banking system on XX/XX/XXXX requesting a status and did not receive a response. I called customer service four times, and after the fourth call, they said that my wife was not eligible for the promotion, because the account was a joint account with an existing account holder. I explained what the personal banker told us, and customer service said that we could talk with the banker at the branch, and he could override the error. When I went to the branch, the personal banker had been transferred to another branch. One of the other bankers gave me his phone number, and I left a message for him and was ignored. 

I would like your help in remedying a situation where a personal banker made a promise that the corporate headquarters is refusing to honor. Because the banker was not knowledgeable about a promotions terms is not a reason to punish a customer. This is an unethical practice and a form of deception.
Product: Checking or savings account

On or about XXXX I received from Wells Fargo 3 seperate mailings indicating the following new accounts had been opened : XXXX XXXX Account with Checking XXXX Overdraft Protection and Savings XXXX {$5000.00} Visa XXXX XXXX XXXX XXXX I have never applied to Wells Fargo for any type of account. On XXXX I contacted their fraud department. Wells Fargo claims I made an online application for these accounts on XXXX. I have never had an online profile with them. I asked : Who's online profile was used? 
What IP address was used? 
How could these accounts be opened online with NO funding? 
How was a credit pull made since I have a credit freeze since XXXX? 
Which bureau was pulled? 
They would not answer any of my questions and referred me to the credit bureaus. 
All 3 confirmed to me credit freeze still in effect with these messages : SECURITY FREEZE :  This file has been frozen or locked at the consumer 's request. 
SECURITY ALERT : Extended Fraud Alert : Action may be required under FCRA before opening or modifying an account. Contact consumer at ( XXXX ) XXXX or ( XXXX ) XXXX. ( Note : This alert is set to expire in XX/XX/XXXX. ) PROMOTIONAL OPT-OUT : This file has been opted out of promotional lists. 
( Note : This opt-out has no expiration date. ) Identity theft victims and XXXX XXXX military personnel have additional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXXe XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXXe XXXXb - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Money transfer, virtual currency, or money service

Ranging from the XXXX XXXX to XXXX XX/XX/year> I have been lied to and manipulated under false promises that when I send money I will receive it back. Totalling to around {$3000.00} now and he still asks for more I have tried reporting this to PayPal but they wont do anything about it. This is a scam and obviously he has received this income and it is not declared to be taxed which is illegal. Please help me best as possible. Thankyou
Product: Credit reporting or other personal consumer reports

Never heard of this company before never purchase lease or loan a car from them
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I sent a letter to Transunion on XX/XX/year> And asked them to investigate this but they still haven't fixed this problem. Can you investigate this matter? I also attached evidence According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Product: Checking or savings account

When I opened my account this XXXX, I activated a new account coupon around XX/XX/XXXX. The conditions were to complete the college task for {$100.00}, the savings task for {$200.00}, and if both were completed, an additional {$400.00} bonus would be awarded. I specifically confirmed the coupon conditions with the message center at CHASE, and they replied that these requirements were indeed correct. I could also see the same information on the mobile app. 

However, after I completed the second task on XX/XX/XXXX, I did not receive the additional {$400.00} bonus. I contacted CHASE 's message center to inquire about this, and at first, they had no idea what had happened. Later, their research team informed me that I was not eligible for the additional bonus because my account type did not meet the requirements. 

I believe this response contradicts the information they previously provided me, and they failed to inform me in advance that switching account types would render the coupon invalid ( which, in fact, should not invalidate it since I completed the first task after switching accounts ). Therefore, I have reason to argue that their refusal is unreasonable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  whose address is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that XXXX credit card account which I have with this bank last XXXX digits # XXXX, is late and past due for the months XXXX and XXXXXXXX XXXX XXXXXXXXAs a result of this clerical mistake my credit score went down XXXX points, and I have lost access to a wide array of financial products previously available to me. All payments on this credit accounts have Despite these attempts, been made and sent by me to XXXX XXXX XXXX  in time. In good faith I have disputed this issue with all three credit bureaus XXXX, XXXX and Equifax, asking them to remove erroneous information from my credit reporting files submitted by XXXX XXXX XXXX. Despite all these attempts erroneus negative information stayed in all my credit reports. I also sent a letter to XXXX XXXX XXXX  explaining the situation and asking them to remove erroneus negative information from credit bureaus... I have never received any answer from XXXX XXXX XXXX. I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the facts mentioned above and care for a full investigation.Thank you.
Product: Credit reporting or other personal consumer reports

I'm writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on for your understanding and help.
Product: Debt collection

I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

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

XXXX XXXX has placed on my equifaxcrefit report a loan for {$39000.00} which was XXXX through a class action settlement XXXX XXXX. I have tried contacting them number is not good. Should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, it was reported in major news outlets that Equifax had suffered a massive data breach which exposed some 143 million records to unknown assailants. These records included very sensitive information such as Social Security numbers, credit cards numbers, addresses, and more. In short, the type of information which is essential for performing identity theft. Shortly thereafter, Equifax set up a website called equifaxsecurity2017.com which purportedly let you check if Equifax believed your data had been accessed, and sign up for a identity monitoring service. What they failed to mention in easily noticeable writing was that signing up for that service waived all your rights to a class-action lawsuit. Furthermore, it came to light that Equifax sat on this breach for some time before notifying the public. In the interim, several executives sold approximately {$1.00} million dollars worth of shares. Leaving aside the allegations of insider trading, the fact that Equifax did not  IMMEDIATELY notify all potentially affected consumers is atrocious. They did not, as far as I 'm aware, institute any sort of fraud alert for affected consumers, leaving a wide open window of opportunity for anyone wishing to abuse the stolen data, and leaving millions vulnerable to identity theft. Regardless of whether they should have been spending more on their security infrastructure, their actions in response to this breach have been slow and lacking, to say the least, and potentially criminal.