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

I notified back in XX/XX/XXXX of the idenity theft that occured. You ignored the facts and the law and continued to furnish inaccurate, misleading, false, incorrect, and fraudulent on my consumer credit report. Shame on you Equifax. Then you have the nerve to send me a letter on XX/XX/XXXX advising me that you are not blocking any of my information disgarding my request, livlelyhood and privacy. I have been dispuyeing with you monthly for 9 months now. You say the information is verified, Yet you have no problem violating my livelhood and privacy reporting false negative items beacuse your making money off of these fraudulent accounts, you XXXX In the letter you also state that you will be verifying information on my behalf. Help me undstand how you are going to come up with a validation for a note, contract bearing my wet signature. I have sent each creditor 3 validation letters and not one has responded to me but they are going to respond to you? Delete these fraudulent accounts AND INQUIRIESimmediately. Then you mail another letter on XX/XX/XXXX Stating that you are reporting suplicate collection accounts. YOU are reporting DUPLICATE FRAUDULENT COLLECTIONA ACOUNTS THAT DO NOT BELONG TO ME! Then you go on to say that my credit wothiness ws impacted when I was applying and being denied for credit or couldnt afford the item because the interest rate was too high and false.THESEaccounts have lowered my score and buying power. I have since filed my SECOND FTC REPORT # XXXX and a CFPB report # regarding this matter. Look forward to hearing from them.My my my my HOW DID YOU VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? 

THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT YOU SAY YOU HAVE BUT YOU WILL NOT SHOW IT TO ME? YOU SAY ITS MINE BUT I CANT SEE IT? YOU WILL NOT SHOW ME VAILDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. DELETE THE ACCOUNTS IMMEDIATELY.I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquires listed on my credit report that I have no knowledge of and did not authorize. 
1. XXXX XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX I disputed these inquires and was told they are a matter of fact, how can that be if I have no knowledge or did not authorize them.
Product: Checking or savings account

XX/XX/year> I reported an unauthorized ATM withdrawal to chime. I was told I needed to make an initial statement and file a dispute. A customer service agent took my initial statement and told me to provide any additional details by uploading documents. That night, I made a police report and uploaded the preliminary police while waiting for the finalized report which can be up to XXXX hours. Chime sent me an email on XX/XX/XXXX denying my claim without the opportunity to provide the final report which I received the same day. I filed a rebuttal with the final police report that day. I was told I would have access to a temporary credit within 10 days while dispute resolution investigated. On the XXXX day I was emailed another denial by Chime. I then filed my XXXX rebuttal with a statement from investigators providing detailed description of suspect from ATM camera. XXXX  days after the initial claim I was given another denial. Again a rebuttal was filed using my location from XX/XX/year> when the transaction took place. I still have not been provided a temporary credit. Chime says that each rebuttal starts the investigation process over which means there is a 10 day wait for the temporary credit. Chimes visa debit cards are covered by visas XXXX liability which states Chime must provide temporary credit within 5 days.
Product: Debt collection

Consumer Financial Protection Bureau ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Investigation Case : XXXX and XXXX ... ... ... ... ... ... ... ... ... ... ... ...... 
Date : XX/XX/XXXXXX/XX/XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
RE : Debt Validation, XXXX XXXX third party debt collectors ... ... ... ... ... ... ... ... ... ... ... ... ...... 

( A ). I am disputing the alleged {$170000.00} debt claim by XXXX because he identified himself as a third-party debt collections servicer in his FDCPA response ( unsigned ) letter dated XX/XX/XXXX, states hes acting on behalf of PNC as a debt collector assigned to collect a debt. Meaning not the Creditor ... ... ... ... ..... 
( B ). Thus, there is no debt owed to XXXX since they are not the creditors and evidence in violation of the FDCPA to provide the name and address of the creditor. Thus, I am again for the third time demanding debt validation under the FDCPA 15 U.S.C. 1692 et seq. for disclosure : ... ... ... ... ... ... ... ... ......

1. Provide the name and address of the Creditor ... ... ... ... ..... 
2. Provide XXXX Debt Collections license ... ... ... ... ..... 
3. Provide written verification in the form of a signed, sworn and Notarized Affidavit Power of Attorney ( POA ) from the Creditor that you are authorized to act on their behalf in this alleged debt collection action ... ... ... ... ... ... .... 
4. A notarized copy of the Bond on file with the State of XX/XX/XXXXallowing your firm to operate as a collection agency ... ... ... ... ... ... .... 
5. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt and allow for the collection of this alleged debt ... ... ... ... ... ... ... ..... 

( C ) No evidence of debt, The original XXXXXX/XX/XXXXXXXX waived their status as a Creditor when on XX/XX/XXXXXX/XX/XXXXthey Accepted my remittance Note payment for the property and Mortgage as tender of payment under UCC 3-409 ( a ) & ( b ) deems they [ cashed the draft/cheque Order paper ] and UCC 3-604 ( a ) means XXXX they didnt return Note back to me identifies it was valid ] ... ... ... ..... 

In conclusion, for in the ordinary course of business, when good faith requires an answer, it is the duty of the party receiving a letter from another to answer within a reasonable time. Otherwise, he/she is presumed to admit the propriety of the acts mentioned in the letter of his/her correspondent and to adopt them. Clean hands doctrine, I am requesting disclosure records. Otherwise cease and desist, refund funds unlawfully collected, withdraw unlawful legal actions ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

By The People_Full-Faith-and-Credit : XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE!!!! XXXX XXXX has deleted the fraudulent bankruptcy on XX/XX/21!! I have attached the letter from them stating they were unable to verify the accuracy of the bankruptcy. FCRA, 15 USC 1681 The public records and the associated bankruptcy derogatory accounts must be deleted.

Previous message So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, 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.
Product: Credit reporting or other personal consumer reports

I have disputed this collection XXXX XXXX XXXX with the credit bureau over 3 times on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> I do not have a contract with XXXX XXXX XXXX and they did not provide me the original contract as requested Correction to my credit report
Product: Checking or savings account

I am trying to set up federal tax withholding on my Barclay 's CD. You would think that would be a simple task to complete. Barclay 's can not handle this request via online messages. Their call center employees are in a foreign country and do not speak fluent English. I want to set up fed tax withholdings.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries that appear on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX, and other applicable laws. Despite disputing these inquiries directly with Experian, I have not received a satisfactory resolution. 

These inquiries have negatively affected my credit score and, as a result, my ability to secure financial opportunities on fair terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, violating the FCRA. 
Experian is required under FCRA 611 ( a ) to investigate and correct inaccurate or unverifiable information within 30 days of receiving notice. XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 6801-6809 : The XXXX  mandates that financial information can not be accessed or shared without the consumers consent. These inquiries infringe upon my financial privacy. 
Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Experian is obligated to prevent deceptive, unfair, or abusive practices. These unauthorized inquiries represent a failure to comply with this responsibility.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience of which Equifax has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX inactions violates federal law and my rights as a consumer.
Product: Debt collection

I had a lease on a toyota XXXX and paid regularly until the lease was expired. I turned the car in. A few weeks later I received a bill for {$720.00} for over mileage. I paid the bill that day and did not hear another thing until last week when I received a notice from United Recovery systems saying I had not paid the bill and failed to respond to previous requests. That was the first and only collection notice i received. After extensive investigation involving going to my bank, callint XXXX XXXX XXXX, XXXX XXXX services, visiting both XXXX and XXXX dealerships, we finally figured out that I had, in fact, paid that bill but, since the lease had been terminated, there was no further account. Thus, the payment was applied to another lease on XXXX. But I was never told that nor was there any way for me to tell. Subsequently, I rolled that lease into another XXXX but was never told anything about the fact that the {$720.00} was applied to that down payment. 
So, after several days, many calls and visits and much aggravation, I called the credit bureau back and paid the {$720.00} again, but extracted a promise that I would receive a letter stating that my credit was cleared and the bill was paid. Instead, I received another collection notice from United Recovery Systems for {$720.00}. Of course, they are not open during non business hours and I have a day job.
Product: Checking or savings account

Ive used this company before with no issues recently my withdrawal limit was decreased I needed the money for an emergency and for XXXX weeks and XXXX request no results each agents states the same thing the issue will be fixed and if I ask for a manager there will keep on hold for long periods of time and disconnect the call.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

We were the victims of a real estate scam that forced a bankruptcy filing. Bankruptcy ; Docket : XXXX XXXX The bankruptcy was vacated. Both XXXX and XXXX quickly removed the item, and we shared the removal letters with Experian, and they refuse to comply with the results of the investigation of the other two bureaus and are in violation of Section 623 of the FCRA, Section D, information to this effect is to be shared with your bureau.

( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.

Also we provided them copies of both removal letters and a follow up letter from XXXX citing that the item in question no longer appears. In conjunction we have contacted the courthouse where matter was disposed of and were told on more than one occasion that there was no way that Experian verified or validated a debt through them given that court dockets are not shared with credit bureaus. We have been asking since XX/XX/18 for proof of the method of validation and have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Capital One ( credit reporting company ) to promptly delete their 3 unauthorized inquiries ( dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that these 3 unauthorized inquiries are still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST***
Product: Prepaid card

After my card with US Direct Deposit was denying payment on my purchases, I called and was transferred to the Fraud department and told that they could not discuss it with me.

They asked me to email them documents to prove who I was and the clerk in the apartment emailed them my birth certificate, soc security card, medicare card, and expired drivers license, since I no longer drive. Being sent from the office of the apartment that they have as my address should have also confirmed that it was me. US Direct Deposit then cancelled my card. Since Direct Express would no longer respond when I entered the card number or my social security card, I mailed a request to transfer my balance of about {$40000.00} to a new account at XXXX. This has not been done. In the meantime, my rent is past due, I am in jeopardy of being evicted, I can not buy food. 
I need to know how to collect my money. 
There is a number to complain about US Direct Express, I called and complained twice, but did not resolve the problem.
Product: Mortgage

On XX/XX/XXXX I applied for a XXXX  with Figure. I was denied immediately due to " XXXX XXXX or type of collateral not sufficient ''. When I reviewed their automatic analysis and the denial letter I determined that they were using outdated public information to determine the value of my property. I reached out to provide the information concerning a recent XXXX 's XXXX XXXX I received that showed a value approximately {$60000.00} more than their automatic system determined. Through the electronic chat and review of the documents provided I determined that their analysis was based on none of the updates that have occurred on my property over the last XXXX years. These enhancements have resulted in an additional XXXX square feet of finished space in my home and some very significant upgrades on the outside of the house. I asked via chat for them to consider this in my property value. I was informed that the company uses only their analysis of the public information available and will not take into account any additional information as I have provided. I see this as an unfair practice as it is not taking into account any work that has been completed on a property. I expressed this to the individual I spoke with, however no additional consideration was provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX  Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXX XXXX  XXXX XXXX  Account Number : XXXX Last 4 digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX  XXXX XXXX  Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 

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

XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called XXXX XXXX XXXX.
Product: Credit card or prepaid card

I now realize Synchrony Bank is an enabler of fraud. Several months ago I contacted them about trying to open a card in my name that I did not apply for. I told them that their conduct was deceptive and fraudulent. The person on the phone LAUGHED at me when I said I would report them to you. Months later, I found that my credit score had dropped 25 % from excellent to poor because someone was able to open a credit card with them in my name with only my name and social security number. 

I have since learned that Synchrony is a habitual repeat offender of this type of conduct.
Product: Credit card or prepaid card

Call many times Visit bank locations Speak with customer service The only answer is ( we could not do anything for you ) -
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.