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

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I have submitted XXXX different letters on XXXX different dates requesting items on my report be verified with documents with my original signature per the FRCA which STATES Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Paraphrase : The information in the credit bureaus files ( not the creditors files ), mentioned above, is the information that they store in their computer base on every consumer. Then 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( driver license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. They refuse to show you anything because they do n't have anything in their files to show you. Instead they tell you to request these documents from the original creditor. 
2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section -- Paraphrase : This says the same thing as above ... they will disclose the information requested to the consumer. 
3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 

each time I have been sent a letter stating information has been updated but I have received no documents. today I spoke with XXXX and her supervisor at Transunion and was advised that as long as the creditor keeps updating they do n't have to verify my records and will not be removed I want all items that do n't have original documentation removed!
Product: Credit reporting or other personal consumer reports

Based on the information provided on Equifaxs website, my personal information was impacted in Equifaxs data breach. After reviewing my credit report, Ive located several false reports of accounts, inquiries, collections, etc. I am unable to file for the settlement ; however, I am requesting a thorough review of my credit report and any inaccuracies or fraudulent accounts should be removed. Thank you.
Product: Debt collection

I received a letter from a company called Viking Client Services stating that I owed a debt of {$8800.00} to a company titled XXXX XXXX XXXX. This is the first time Im receiving any form of documentation from either of these companies. 

I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from XXXX XXXX. I am still waiting for written validation. 
I also sent a copy of the letter sent to Viking Client Servicies to XXXX to ensure that each party had the ability to collaborate in this matter.
Product: Debt collection

According to my previous complaint filed on XX/XX/XXXX Im requesting that you remove this debt immediately from my credit report and not sell to any other collection agency. Im requesting due to your response with the documentation provided with no balance from original creditor. The Fair Credit Reporting Act ( FCRA ) XXXX became effective on XX/XX/XXXX. The FCRA is a part of a group of acts contained in the Federal Consumer Credit Protection XXXX such as the Truth in Lending Act and the Fair Debt Collection Practices Act. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/15 I use XXXX  XXXX to purchase a couch. The couch was paid off yet I see on my report that the account was part of a bankruptcy. Ive never filed for bankruptcy in my life. Please have this removed from my account. Thank you
Product: Debt collection

I just got off the phone with a collection agent that had advised that the ONLY WAY to get the calls to stop is to setup a future dated debit card payment. 

That is not what I was previously advised and Im pretty sure prior to this occasion I filed a XXXX complaint that has gone unanswered due to a poor customer service issue with XXXX who advised me that there is a grace period where I will not get charged interested and no late charge until after 10 days after my due date. 

I simply attempted to advised her that in a simple interest contract there is NO GRACE PERIOD. Simple interest uses a per diem, which in XXXX means per day. Therefore, there is no grace period of when interest will be charged. There is a window until a late charge is applied. 

This company truly has poor training skills in their agents and even worse the supervisor, XXXX I spoke with seemed very unwilling to help and did not seem to care what I had to say. Expressed no empathy and gave me an apology just so I would get off the phone. 

I dont think this company truly cares about their customers and I am sure as soon as they read it will roll their eyes and think that I do not know what I am talking about, but little do they know I have worked 5 years in the Finance industry with Simple Interest contracts. 

I want a GENUINE apology and a contact number for their Director who oversees their Training, Compliance and Quality Assurance department to get an understanding of why they are not training proper customer service and collection tactics and if their agents even take a compliance assessment to go over who the CFPB is, UDDAP, etc.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

Starting on XX/XX/XXXX, someone used my debit card/made a skimmer of my card and made several withdrawals at different XXXX around XXXX, NY and XXXX XXXX , NY area . On XX/XX/XXXX the the first fraudulent claim was made, unbeknownst to me. I called discover customer service workers on the XXXX, after my card was blocked when trying to pay for a co-payment at XXXX for medication. The worker at this time did not tell me the reason behind my card being blocked. I was not aware that my card was recently used somewhere in XXXX NY, while I was trying to make a purchase in XXXX, New York. I was told, my card was blocked because of the address at a nearby XXXX ( a food place near the XXXX ). This is a recorded conversation that can be verified. My card was unblocked, and I was given a courtesy adjustment from Discover amounting In {$35.00} dollars for this error. This is a direct admission of guilt/error on their part. Had I been told the actual reason my card was blocked, I couldve put an immediate stop after the first withdrawal, and the person wouldnt have went on and continued to withdraw from my account 3 additional times. On XX/XX/XXXX, I attempted to use my card, and again, I was blocked from using it. This is when I was informed that my card had once again popped up in XXXX, and was being used to withdraw money, while I was in XXXX. I immediately froze my card and reported this to the fraud team and was sent a new card. I sent discover multiple documents showing that I was never in XXXX, New York for the month of XXXX, or during the times my care was being used. I took screenshots of all the locations my XXXX was pinged to for the weeks leading up until the fraudulent withdraws was committed. On the dates the thief withdrew money In XXXX my location shows I never left XXXX, New York. I submitted documents showing on XX/XX/XXXX, I was in XXXX receiving XXXX XXXX XXXX, while my card was showing up in XXXX. I sent all of my locations for this day and they all placed me in New York. I cant be two places at once. XXXX location services uses outside GPS, WiFi, Bluetooth and hotspots to ping mobile locations, which I have no control over. So, if my phone shows I was never in XXXX than obviously I was never in XXXX, New York. If my phone location shows I was near my house at the time money was being withdrew from my account, obviously I was near my house.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I saw that my credit report is displaying 2 different balances regarding my student loan. That is incorrect and needs to be corrected. 

Prior to XX/XX/year>, all my credit reports from all 3 credit bureaus had been reporting only 1 student loan balance on my credit report. The total amount was always around {$100000.00}. 

The only college I attended was XXXX University in XXXX, Ohio.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and i noticed errors on the report. i understand that you will investigate these errors for accuracy because they are hurting me and getting me denied credit when I apply. I am certain you will investicate to assure complete accuracy. 
Listed below is the account i would like you to investigate for accuracy. 

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

I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated ( dispute_item_and_explanation ) I respectfully request to be provided proof of this alleged item, specifically the contract note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years c employment purposes. 

XXXXXXXX XXXX corporate headquarters is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 15 ) days of the completion of your re-investigation.

90 ) Sincerely yours, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by Tesl. Also, if the action was reported to any third party ( e.g., XXXX ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from Tesl. Please note that I have contacted Tesl, the credit bureaus, and the FRC consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from Tesl during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from Tesl. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

The referenced agency violated the laws of the Fair Debt Collection Act. They are inaccurately reporting to my consumer report and violating my rights as a consumer.
Product: Debt collection

i try to pay XXXX for this and they refuse, i dont old that much, and they never toll me i can dispute this charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several tradelines with the CRA on XX/XX/2020 that came back verified XX/XX/2020 from Experian. 
On XX/XX/2020 another letter asking was sent for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
On XX/XX/2020 I filed a complaint with the CFPB since Experian IGNORED the request for method of verification On XX/XX/2020 They respond back to CFPB saying they investigated it if I have documents to support the dispute to send them in. I called Experian and spoke to XXXX who told me they do not have to provide method of verification and he does not have a supervisor when I requested one. Also, he told me he does not have an id number this was at XXXX XXXX. 
" a description of the procedure used to determine the accuracy and completeness of the information obtained to validate the dispute '' - pursuant to 15 U.S. Code 1681i ( a ) ( 6 ) ( b ) ( iii ) ). 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. ''
Product: Credit reporting or other personal consumer reports

I restart at least a dozen times directly to CID financial through phone calls emails and disputes through credit agencies and never once update corrected the record. The last dispute I sent out on the XXXX of last month magically was bounced back the exact same day and closed and said to be in verified when you look at their very own records and it literally shows during correct so they did not do the investigation as they said that's a complete 100 % lie as well on the part of XXXX they didn't do anything to make sure that they didn't investigation in fact they did anything but. This is two companies working together to be able to create money off of my back and I'm not going to have it anymore. Their own record reflects that are only owe {$1.00} left on this vehicle and I did that very specifically. Yet at the top it says I owe a couple XXXX dollars. And that doesn't make sense with the chart you have literally right below it that shows I paid it down to {$1.00}. Also what is oat on the vehicle and then my payment amount is completely off why would I be making a {$300.00} payment when I only owe you guys according to you XXXX some dollars even though I only owe {$1.00} why would I pay over {$300.00} on either one of those amounts? There's also a month of missing information which just so happens to be the month I paid everything down to {$1.00} but then the record reflects from then on out my balance was {$1.00} but at the top it does not reflect the same and that's what they're trying to claim I owe when it's incorrect I want it removed immediately. The fact I have to go see and do the investigation and I see it on the very first page the very first second I look at it should be embarrassing for your company. I'm not even smart I'm not even that guy I'm a XXXX person but that's clear as day to me and it just taking money from people When they don't have any.
Product: Debt collection

I was falsely accused of a debt by the collection agency Perfection Collection, and they entered damaging information to the major credit bureaus, lowering my credit score. The debt was for a security system supposedly installed by XXXX in a daycare center located in XXXX, Kentucky. I am not the person named by XXXX in their purchase agreement. I have never done any business with XXXX, and I do not know and have never met XXXX XXXX ( or XXXX as appears on the Perfection Collection statement ). XXXX XXXX ( or XXXX ) has never lived at or been to my home address in XXXX  where I have lived for XXXX years. I have never been to XXXX, Kentucky, and I have never had any affiliation whatsoever with the daycare center. I have never signed a contract with XXXX  for any purpose. That is not my signature on the attached purchase agreement. I would like to point out that I always write, not print my signature, and I always include my middle initial. In addition, none of the writing on the purchase agreement is mine. 

I have corresponded with Perfection Collection several times to inform them that I am not the person responsible for this debt, but they have not yet ceased collection activity and deleted the XXXX account from the credit bureaus.
Product: Debt collection

I previously filed a complaint and their response was they will send me something in the mail from XXXX  which is not acceptable. This is not my account is result of identity, theft, and I want it removed immediately
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this informatio
n was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!