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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting

The company is not accurate in there reports, having a derogatory statement on a a credit summary report and not on the full credit report. Looking at my credit summary on XXXX XXXX, which is powered by Trans Union, there is a derogatory statement for XXXX dollars for something called XXXX. After looking at my full credit report through Trans Union, the derogatory statement is not there, implying that it does n't say where it is from or who is collecting and why. Thus I would like to dispute that the derogatory statement be removed.
Product: Checking or savings account

On XXXX I accidentally payed my rent twice due to bank of America having a technical down day the amount was of XXXX x XXXX. I immediately let my landlord know ( XXXX XXXX XXXX ) about my double payment. They suggested I open a claim with my bank BOFA ( Bank of America ) while they send me a check in the mail. I proceeded to send to open a claim and while I waited for the investigation to unfold BOFA credited me XXXX I soon received a check from my land lord for the extra payment I had payed. Next day I deposit the check into my account and call BOFA to withdraw the amount they had credited me. everything should have been even and done with. BOFA did withdraw the money but i later received a call that I owed rent still and that my land lord was negative XXXX due to bank of America stopping the payment. I never received that money back and I'm trying to figure out where this money is. I called BOFA claim department about 10 times i also went in person and no resolution Due to this I had to pay rent a third time out of pocket to avoid eviction, I have taken timer off work to go into BOFA for help but nobody seems to know what to do of where this money is, and i have payed late fees. it seems I'm the middle man between my renter and bank and i just need answerers to where this missing money is. i have been in contact with VP of Bofa XXXX XXXX but i have stopped receiving updates on my claim/case
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX  ). The report lists a balance of {$2500.00}, a balance updated XX/XX/XXXX, a credit limit of {$3000.00}, a $ XXXX monthly payment, an account opened on XX/XX/XXXX, a last payment date of XX/XX/XXXX, and the highest balance of {$3100.00}, status closed, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Debt collection

I purchased a product originally advertised by PayPal credit, I ordered the product from a company called XXXX https : XXXX  When I received the product I realized they sent me an XXXX version of the product and was not functional for my American home, it was an expression machine with an XXXX type of electric plug. I quickly informed XXXX about the issue and they sent me a return label. I sent the product back, they acknowledged the return but I never got a refund. I contacted both XXXX and PayPal credit several times explaining myself about the situation. XXXX  say they accepted my return but PayPal credit hasnt cleared the charge from my account, this was almost a year ago and they keep calling me and have now billed me multiple times and have caused me to incur interests that have hurt my credit. I keep telling them I returned the product but they dont accept it. Anything I can do?
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit reporting act this creditor has violated my rights. Under 15 USC 1681 SEC 602, states I have the right to privacy. 15 USC 1681 SEC 604A SEC 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Money transfer, virtual currency, or money service

I was sent a XXXX payment yesterday ( XX/XX/27 ) in the amount of {$1000.00}. The sender 's checking account was debited and my receiving XXXX email address was entered correctly. I have still not received the funds in my Truist checking account or received any notification that the funds were received. 

It is impossible to reach anyone at Truist by phone, messaging app or email due to the botched merger that have left many customers in the lurch. A review of recent XXXX activity shows multiple customers not receiving XXXX payments starting one week ago.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received emails about two transactions in my PayPal account. Both were sending money to XXXX XXXX. One was for {$250.00} using my PayPal credit and the other was for {$250.00} using my call one checking account as funding. As soon as I saw the emails I called both PayPal and my bank to alert them. My bank put a hold on my account. PayPal credit is still doing their investigation but PayPal told me that they determined them not to be suspicious and there was nothing what they could do, this was within hours if it happening. They have now made my PayPal account negative and day I owe them the money since my bank didn't let them pull the {$250.00}. That is where we are now, they say there is nothing more they will do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX XXXX partial account # XXXX ) and XXXX XXXX partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and Experian are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX.
Product: Debt collection

issue started with   XXXX   in  XX/XX/XXXX  / XX/XX/XXXX  and  several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  an d companies are harassing and threating me. I had documents from  XXXX  that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One company is  XXXX /spears Dewitt  hall  XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years old  and continues to come back and ruin my credit. please contact me asap  XXXX
Product: Debt collection

On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against XXXX because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of AFNI , INC has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

AFNI Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXXXXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Credit card or prepaid card

I've been trying to make a payment on my credit card account with comenity bank since XX/XX/26. The due date was today and the website and phone line are still down. Company said it was a plan outage but 7 days is unacceptable.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

EVERY year I contact GM CAPITAL ONE Card ( among other credit card companies ) and tell them that I already told them I Did NOT want them sharing my information. They refuse to give me documentation to say I called in or written verification that I contacted them and told them to stop sharing my information. Then they claim I never let them know. What will you do to address this? I '' m sure you know this goes on with the credit card companies all the time. Why even bother having the law if they don't have to follow it? They should have to send verification immediately when someone tells them not so share information or make it an option on their site so you can take a screen shot to " prove '' you told them not to share the information. They have already compromised my financial information by their most recent data breach.
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. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

I had XXXX XXXX that I switched over from to XXXX in XX/XX/XXXX. I closed the service and ported over to XXXX. At the time of porting over, all my bills were paid off. I also had XXXX cell phones that I fully paid off prior to switching over. In XX/XX/XXXX, when I was planning to apply for a mortgage and had my credit pulled for the mortgage application, my credit score came way lower than what I was expecting and I found that there was a derogatory mark on my credit for an outstanding debt for {$580.00} that was due. I called XXXX and they said that I apparently I had an open secondary line which was active and did not get closed, and was automatically closed in XX/XX/XXXX due to non-payment and the bill was due from that line. I inquired that I was not notified about this bill nor through any written communication, to which XXXX responded that there is no way for us to contact you since you ported over and your application access was locked from porting and they do not send mail. I did not receive any form of communication of this debt. My debt was sent over to Source Receivables management debt collection in XX/XX/XXXX and they also did not send me any mail nor any written communication of this debt. The first time I found about this was when my credit got pulled for the mortgage application in XX/XX/XXXX and learned that there is a derogatory mark on my credit report that had negatively impacted my credit score substantially. I paid the bill on the same day in hope that it would reverse/ delete the derogatory mark on my credit but its still showing up even when Source receivable management said they would remove/ delete this mark. I was not once notified about this debt and its very unfair that my credit score has gone from XXXX to XXXX because of this which is impacting my interest rate. They have my current address on file but I received no notifications from them. Please help
Product: Debt collection

THE ACCOUNT LISTED DOES NOT BELONG TO ME THIS IS NOT MY DEBT I am writing to request and initiate a formal complaint against CREDENCE RESOURCE MANA, XXXX, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

I am a Secured Party Creditor, I am the Executor over the trust, I have a NOTARIZED Private Security Agreement filed on record with the United States. A trust is mentioned in the FAQ of Bridgecrest Credit CoXXXX A trust document was sent to them with a Private Registered Setoff and Discharge Bond ( tracking # 's included ) to discharge the debt. A photocopy of the green card sent by certified mail ; the Secretary of the Treasury XXXX XXXX received ; to discharge the debt. A copy of the HJR 192 Bill that was passed XX/XX/1933 ; proof to discharge any debt dollar for dollar. I accepted for value with signature UCC 1-308...