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

Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration XXXX XXXX XXXX XXXX issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. On XX/XX/year>, at XXXX XXXX  ET, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. This action is in direct contravention of established credit reporting practices, specifically the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain the utmost accuracy and integrity in the information they report. Experians actions, as detailed above, appear to violate these statutory requirements. In contrast, both XXXX and XXXX have rightfully removed the fraudulent account from my credit file in accordance with their responsibilities under the FCRA, and have properly recognized the account as fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX DATE XX/XX/2024 Synchrony Bank XXXX Long XXXX XXXX, XXXX, CT XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : Synchrony Bank XXXX XXXX ) Subject : Cease and Desist Request for Deletion of Collection Account Dear Synchrony Bank, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

15 US Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The credit bureaus have reported these XXXX accounts as Updated with accurate information.

I am still seeing inaccurate/incomplete information being reported to my credit report.

Not only was one of the accounts satisfied by XXXX XXXX..it is reported as a Charge Off, which according to our laws represents stated Income. income can not be debt.

I have attached photos with highlighted, underlined, circled, and arrowed issues.

I have already requested a complete update with 100 % accurate information reflecting. There is still information missing and inaccurate information reported.

I am requesting immediate removal of Both XXXX  accounts from my credit report, without prejudice.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer ( There is CLEAR inaccuracy in the information reported, but even after multiple disputes, the account remains reporting inaccurate/incomplete 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of : ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( I have not received verifiable proof of accuracy, nor accurate accounting ) 15 U.S. Code 1692e - False or misleading representations ( Boasting Accuracy- Reporting Inaccurate information )
Product: Debt collection

Earlier this year I requested debt validation from both the collection agency and the XXXX credit bureaus. I never received anything proving this is mine. I have never opened or done business with XXXX Id like all proof, including any and all documentation proving this account is mine with signatures and identification used to do business with them.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CAC FINANCIAL : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice AcXXXX XXXX S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXXalarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX grantee, beneficiary All Rights Reserved
Product: Debt collection

Resurgent Acquisitions LLC/LVNV Funding LLC/Resurgent Capital Services LP has contemporaneously committed unlawful debt collection practices, failure to investigate disputed information, not responded to debt validation letters while continuously committing 1040 days of Identity Theft, willfully furnishing fraudulent, invalidated, incorrect, and forged financial documents to the Credit Reporting Agencies. Relentlessly racking up unfair practice violations and submitted as evidence : false, misleading, and misrepresented documents to the Virginia XXXX XXXX and even obtained a General District Court judgment in their favor ( currently under appeal in the XXXX XXXX ). 
Hey XXXX, if I am wrong and you are not shielding a XXXX enterprise with the numerous debt buying companies affiliated under The XXXX XXXX XXXX umbrella ( you know, XXXX XXXX and ties to XXXX ). All that you need to do is validate the debt buddy. I RESERVE ALL RIGHTS WITHOUT RECOURSE
Product: Student loan

On XX/XX/2019, I have been emailing back and forth from an agent fro the processing department of Premier Student Loan Forgiveness, XXXX XXXX ( XXXX ) about how it is time for me to recertify for the loan forgiveness program. He was telling me that he need some documents from me, which was my tax form from the pervious year and recent pay stubs. So I sent them. On XX/XX/2019, I got a confirmation email from XXXX XXXX ( XXXX ) stating that they received my documents. On XX/XX/2019, I called XXXX XXXX  ( XXXX ) XXXX to follow up on my recertification, but when I called there was an automated voicemail stating that the following service is under investigation in the state of California and you should go to www. studentloans.gov or contact your student loan servicer regrading the status of your loan. I went to the website and found out my initial provider is XXXX. I called XXXX ( XXXX ) XXXX asking how is my federal loan doing. The agent told me that it was time to send in my document to recertify me again for the forgiveness program. I told the agent that I sent in the document two months ago but the agent insisted that they did not receive any documents from me. I sent in the documents in again. On XXXX XXXX, I decided to call XXXX XXXX again, to see if that automated voicemail was still there and it was. That's when I texted my Aunt XXXX XXXX : hey auntie, so the student loan program you told me about isn't working anymore and i'm trying to call them and the phone is out of service. That's when I called XXXX again to make sure they got all my documents and they did. The agent then proceeded to tell me that I had to pay the XXXX fee of {$330.00}, so I paid it. I then asked if they were getting my payments of {$40.00} every month for the last year and a half, and the agent stated that they did not receive any documents or payments from my since XXXX XXXX. When I heard that I was shocked because that is when I talked to/signed up to Premier Student Forgiveness Program with XXXX XXXX ( XXXX ) XXXX and gave all my information to an agent at XXXX XXXX XXXX, XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX Transunion : XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

Account Name : XXXX XXXX - Date Opened XXXXXX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Credit reporting agency negative items affecting my day to day life. I cant even get a bank account because of the negative reports done by the agency. 15 USC 1691 and 12 CFR 1002 state no one could be denied credit due to credit score history or income yeah and you know every time I apply, I would like native items on every agency important agency to be removed or blocked Per 605B and 15 USC 1681. I know XXXX is being sued and XXXX or TransUnion has XXXX  or FDCPA ( or one of those agencies ) down their for some reason Please I would like remedy as soon as yesterday. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I am an XXXX XXXX XXXX widow and have done my banking with Chase Bank on XXXXXXXX XXXX XXXX  XXXX in XXXX, Arizona for many years. On XX/XX/2023 I took a check I had received for {$2600.00} to the above mentioned branch to deposit into my account through their ATM. The PIN number rejected, so I took the check and my debit card inside the branch. I explained what happened to an employee ( XXXX ). Because this branch does not have a teller line, only ATM access, I handed him my debit card and my driver 's license. He looked up the account on the system and either neglected to verify or didn't notice. that the name on the debit card and the account belonged to someone else. Rather than bring to my attention, he had me reset the PIN and then instructed me to make the deposit, which I did. ( He later told his manager that he was overwhelmed that day and felt rushed. ) Imagine my shock the next day when my friend XXXX called my home to tell me that my deposit was in her account. We had recently met for a meal and paid our own bills separately. XXXX also banks at Chase, and the waitress had given me her debit card back instead of mine. 
My friend immediately contacted the branch ( XXXX ) and informed him of what occurred and I also contacted the branch and explained the mistake. The Chase employee told me he would correct the deposit to my account and it would show in a couple of days. 
Today is XX/XX/2023 and I still don't have the funds in my account and had an appt to meet with the branch manager. I took with me a neighbor who is a retired XXXX XXXXXXXX familiar with the CFPB and regulations. When we met with the manager, XXXX XXXX, my neighbor XXXX XXXX XXXX ) explained she was with me to help understand why Chase had not following Reg E procedures regarding incorrect or or mis-posted ATM deposits. XXXX XXXX stated because they ( Chase ) felt the check was fraudulent, they ( Chase ) were not required to follow Reg E procedures ( which also included provisional credit until the issue could be resolved ( up to 45 days ) She admitted that the employee who reset the PIN on the card should have realized when he accessed the account the difference in names. Since the deposit was made on XX/XX/XXXX, XXXX asked if the bank had received notification from the bank the check was drawn that the account did not exist, or was returned for insufficient funds. XXXX XXXX stated Chase had not been notified, but chose to return the money back to the company that issued the check to me. She also refused to give me a copy of the imaged check that was made to me so that I could call the bank and see if it was valid. She recommended I call the company and ask them to send us another check which is not acceptable, since Chase returned the money without my knowledge. 
XXXX XXXX had no further comment to make ; according to her the matter was closed. My neighbor XXXX XXXX told her that in her opinion, Chase violated REG E procedures/processes, did not notify me within 10 days of their " investigation '', did not provide provisional credit, and that she was recommending I file a complaint the with CFPB ( which I am now doing )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX 's to complain after seeing a total of XXXX inquiries on my credit report with Transunion. 

I tried to lease a new XXXX from XXXX XXXX which is owned by XXXX 's. 

After being assured by salesman XXXX that they would n't be shopping my credit around multiple banks, I signed the lease papers, only approving them to run my credit for the purposes of a lease. 

The salesman said " we 're not going to send your application to bank a, bank B, bank C, we do n't do that. It will just be a soft inquiry. 

I checked my Transunion credit report and see a total of XXXX different inquiries, when I only approved of XXXX. 

XXXX uses XXXX XXXX for their auto leases. When I was not approved for the auto lease, without my permission they ran my credit through XXXX XXXX and XXXX XXXX. I did not approve them to do this. The financial manager said she tried to get me approved for a purchase. I did not approve of this. 

I spoke with XXXX XXXX on the phone and all he could say was sorry. 

This is a violation of the FCRA for not obtaining permission to run my credit for the purpose of purchasing when I clearly stated I would be leasing.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( XXXX ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 XXXXl Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX