23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2016, after moving to my current address I requested XXXX to install internet and TV services at my new residence. XXXX installed services, but was not able to fully make them operational. They were unable to port my existing phone number and I had intermittent internet service outages. After two weeks of attempted repairs without success, I terminated the service with XXXX and returned their equipment. I initiated services with XXXX and continue to have them today. A month later, XXXX billed me for a full month of services despite not having a single day where my contracted services were operational. I disputed the bill with XXXX. We failed to reach a resolution, and XXXX submitted the debt to collections. Recently, they sold this debt to a new debt collector ( EOS-CCA ) and they have called me on my cell phone harassing me. Moreover, they resubmitted a derogatory remark to XXXX XXXX damaging my credit rating. 

Respectfully, I am requesting this debt collection for {$180.00} be terminated as the original bill was incorrect and EOS-CCA has no right to re-instate a new derogatory remark for an issue that arose in 2016 ( almost 6 years later ) as a brand new issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by Equifax. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within XXXX business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that Equifax : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that Equifax will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within XXXX business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverifiable Account Reporting
Product: Checking or savings account

I had my Capital One bank checking and saving account at some period time. I kept on my account more than $ 100k. I closed my account few years ago. I dont owe anything to this bank. I hold my own money. I didnt take any loan, any line of credit. Everything was fine at that time. 
I have my venture credit card with the same bank for the last 4-5 years. No debts, no late payments, excellent credit score ( XXXX ) I get a lot of offers by mail offering to open again saving and checking account. 
Finally today I decided to do so. 
I was really surprised when my application was denied. 
I spoke to the bank representative XXXX on the phone. And he told me that it is what it is. And bank can decline me for any reason. 
I am really shocked since I never had any problems with opening accounts in any of the bank for the last 30 years. Each bank gladly opens accounts for me especially for large amounts. 
I recently complained about annual fee with my capital one venture card. It feels like as a revenge and consequently retaliation against me which seems highly inappropriate and not correct. 
I would like to find out what are the reasons to be declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX CHOICE RECOVERY 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 per
sons 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 CHOICE RECOVERY 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/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry on XX/XX/XXXX from Comenity Bank/Torrid . 
I have unauthorized credit inquiries on XX/XX/XXXX from XXXX, XXXX and XXXX XXXX. 
I have unauthorized credit inquiries on XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 
I have an unauthorized credit inquiry on XX/XX/XXXX from XXXX XXXX. 

I have attempted to correct the errors by directly requesting the companies to remove them from my report. My requests have not been successful.
Product: Credit card or prepaid card

After I returned From a trip on XX/XX/2022, I was reviewing my credit card charges and notice service charges by XXXX XXXX for bag fees. I called the Chase Credit Company and filed a dispute on the {$79.00} bag fee. 

I filed the dispute with Chase regarding being charge twice by XXXX XXXX for bag fees in the amount of {$96.00} ( prepaid online XX/XX/2022 online ) and {$79.00} charged at the airport XX/XX/2022 for the same luggage. XXXX stated in their response that I paid {$79.00} for a carry-on bag fee without addressing the fact that I paid {$50.00} for the carry-on bag fee for a personal bag at the airport on XX/XX/2022. Chase agreed with XXXX XXXX about the {$79.00} carry-on bag fee and denied my dispute without verifying with me whether or not this information was true. Because as I stated above, that I paid {$50.00} for the carry-on bag fee at the airport and XXXX claimed to have charge me {$79.00} for a carry-on bag fee, therefore XXXX charged me twice for a carry-on bag fee on XX/XX/2022.
Product: Checking or savings account

On XXXX/XXXX/XXXX at XXXX pm I made a deposit for {$700.00} at the ATM of the Fifth Third Bank office in XXXX Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX where I have my account, the ATM did not make the deposit and he also did not return the money but gave me a receipt where he says that due to technical problems the deposit could not be made nor the money returned, I filed the complaint and the bank gave me the amount in credit while the dispute was resolved, after 30 days I received a letter saying that I had lost the dispute and therefore I had to pay the money they gave me in credit, I made a second claim and after another 30 days I received another letter with the same resolution, that I had to pay the money given in credit. It should be noted that I faxed a copy of the receipt provided by the ATM to me on XXXX/XXXX/XXXX at XXXX pm, I have complied with what the bank has demanded on my behalf notwithstanding they still I have proof of the error of their machines they insist that it 's my fault, they closed my bank account and they passed me to a delinquent collection department
Product: Checking or savings account

so this is second time the bank has frozen my account. I went to a near by branch to help me unblock my account so I can be able to use my card, so I can put gas in my car. Mind you, I was already on my way to my job training at work, when I my gas light came on. Me already knowing that my account was blocked and I was not able to use my debit. I had to wait for a branch to open which it was a Saturday XX/XX/2021. I walked into the branch and explained to the banker my situation. So unblock my accounts, a banker had to call the fraud dept, so the banker can let the rep of the fraud dept know, and verified my identity. In which the banker was on the phone for over 2hrs. And I had already let my trainer know, that I was going to be late. Since the banker took over 2hrs, I could not make it to my day of training and was told that a HR rep would call me.
Product: Credit reporting or other personal consumer reports

problem We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I reviewed my credit report on XX/XX/2024 and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Experian regards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reference too. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are incomplete and inaccurate. Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )
Product: Checking or savings account

I received a a check from the school I recently graduated from. I decided to open a bank account because the check was for {$2500.00}. So I went to chase bank branch in XXXX CA XXXX. After opening a checking account I was informed that my check will take XXXX to XXXX business days to clear which I was totally find with. After the first week I was only able to get XXXX dollars. I called the bank and was told that my account was suspended and that I needed to come into the branch to verify my identity so I went in and took XXXX forms of identification. After that I was told that I should receive a email well I never received a call or email so I decided to call again. Then they said that they couldn't verify if the check was made out to me. I tried giving them XXXX different phone numbers of the school I graduated from and they won't accept it and won't return the funds or release the XXXX have all the proff of why and how I received the check.
Product: Mortgage

I made an FHA loan through XXXX XXXX on XX/XX/XXXX. XXXX XXXX had sent me a notice dated XX/XX/XXXX indicating that the servicing of my mortgage loan is being transferred from XXXX XXXX to PHH Mortgage Services effective XX/XX/XXXX. 


I had made two mortgage payments to XXXX XXXX. I had made one payment of {$2700.00} on XX/XX/XXXX for the XXXX due date and a second payment of {$2700.00} on XX/XX/XXXX for the XXXX due date. However, XXXXXXXX XXXX  had only wired one of these payments to PHH on XX/XX/XXXX and received by PHH on XX/XX/XXXX. 


A rep from XXXXXXXX XXXX had indicated that they had only sent one payment over to PHH because XXXXXXXX XXXX 's records have an effective transfer date of XX/XX/XXXX with the " paid to date '' of XX/XX/XXXX. The representative had indicated that the first payment of {$2700.00} on XX/XX/XXXX for the XXXX XXXX date was applied to the principal prior to transferring the servicing to PHH. The XXXXXXXX XXXX rep had provided this explanation via phone and emailed the transaction history on XX/XX/XXXX. 


PHH mortgage services have billed me for both XXXX and XX/XX/XXXX. On XX/XX/XXXX, I had sent a descriptive email of the issue to PHH, including the documents that were provided by XXXXXXXX XXXX 


I had made many phone calls to XXXX throughout XXXX and XXXX for a response and offer to support a resolution, but I did not receive a response until XX/XX/XXXX. PHH provided their transaction history which has a transaction date of XX/XX/XXXX with their initial principal amount received of {$320000.00} from XXXX XXXX. This principal amount is the original loan amount and does not have the first payment applied. XXXXXXXX XXXX 's records indicate that they transferred the service with a principal of {$320000.00}, which does have the first payment applied. 

Both banks have provided to me their own transaction history records. However, XXXX XXXX has an effective date of XX/XX/XXXX and PHH Mortgage services appears to have an effective date of XX/XX/XXXX. 

I have provided to PHH mortgage services the XXXX transaction records. I have also provided to XXXX XXXX the PHH mortgage services transaction records and response. I have not received a resolution from either bank, despite reaching out to both banks and providing all documents that were provided to me. 

Resolving this issue should be with representatives directly between the two banks.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX my Account was opened with American Express bank. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
2. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX. Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, XXXX, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And XXXX to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.
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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.