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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX, XXXX & XXXX XXXX  XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XX/XX/2023 but it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian, XXXX & XXXX 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from Experian XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from XXXX XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.
Product: Credit reporting or other personal consumer reports

Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED DEBT To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding the fraudulent and inaccurate debt you have reported on my credit file. You are currently reporting a debt under my name that I DO NOT recognize, and I demand immediate validation or full deletion from my credit report.

VIOLATIONS YOU HAVE COMMITTED Upon reviewing my records, I have identified multiple violations of federal laws that you have committed, including but not limited to : 1. Failure to Validate the Debt Under 15 U.S. Code 1692g, you are required to provide a full breakdown of the debt, including the original creditor, account details, and proof that you have the legal right to collect this debt. You have failed to do so.

2. Reporting Inaccurate or Unverified Information You have violated the FCRA by reporting a debt that you have not validated as accurate. This constitutes a willful attempt to damage my creditworthiness.

3. Harassment or Unfair Collection Practices If you have called, sent misleading letters, or attempted to collect without validation, you are in direct violation of FDCPA regulations.

4. Failing to Remove a Disputed Debt If you continue to report this unverifiable debt to credit bureaus without proper proof, you are engaging in unlawful reporting practices, and I will take legal action.

DEMAND FOR IMMEDIATE ACTION You now have five ( 5 ) business days from the receipt of this letter to take the following corrective actions : 1. IMMEDIATELY REMOVE this debt from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
2. Provide FULL validation of this debt, including the original contract with my signature proving I owe this amount. 
3. Cease all collection activity, including phone calls and written demands, until this debt is fully validated.

CONSEQUENCES OF NON-COMPLIANCE If you fail to comply with my demands within five ( 5 ) business days, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

Report your violations to all three credit bureaus and demand removal based on FCRA guidelines. 
Pursue legal action against Zion Debt Holding for FDCPA and FCRA violations, seeking statutory damages and attorney fees.

I suggest you take this matter seriously and act immediately. Failure to comply will result in legal consequences. 

This letter serves as formal notice under federal law. Any further attempts to collect an unverified or fraudulent debt will be considered willful noncompliance and harassment. 

Send all responses via certified mail to the address above.
Product: Debt collection

On XXXX XXXX 2016 at XXXX est I received a voice recording message from XXXX XXXX ( XXXX ) and employee of Cohen, Roberts & Associates, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Phone : XXXX Fax XXXX. Asking me to call her back and threatening and informing me that she was planning to take a lien out on my property for a debt she had yet to identify. When I inquired what was this about she informed me of a service that was suppose to be handled under and Homeowners insurance claim. She then accused me of canceling that claim ( which I did not ) and then XXXX XXXX began to repeatedly threaten to have lien placed on my home ( again als stated in the voice message recording ), I was repeatedly threatened to be hung up on and to taken to court and sued, it was repeatedly insinuated that I was lying. I pleaded with her about her tone and she stated she was doing me a favor of calling me because she could just put the lien on my house. She purposely, provided misinformation regarding the customer satisfaction survey I filled out from the debt holder stating that I had " given them all XXXX '' and question why I made no mention of the electrical fire issue the company caused. When in fact I did on section XXXX of that customer satisfaction XXXX Form. I repeatedly tried to get her to reduce the threatening and aggressive language towards me yet she would not repeatedly threatening to place a lien on my home for the debt. At one point I was practically in tears due to the emotional trauma and stress she was inflicting. Which she replied, " maam i 'm just trying to collect debt, I 'm going to be paid regardless if you pay the debt or not and have a lien put on your house ''
Product: Credit reporting or other personal consumer reports

I recently received an alert of a inquiry. That was added to my Experian credit report. I did not authorize this company to access my credit report. 
XXXX XXXX XXXX XX/XX/2023 I do Not recognize this inquiry. 

I have attached a copy of my FTC identity thief report.
Product: Credit card or prepaid card

i have credit card from bank of America for traveling i used went i traveling time, since the time i don't received any bonus. Or card reword.
Product: Debt collection

This company : Ginny 's XXXX XXXX XXXX. 
XXXX, WI XXXX has been calling us for years, asking for XXXX XXXX XXXX I've told their representatives, including supervisors, that no XXXX XXXX lives here or has lived here for over 20 years. They have promised to stop calling, but the calls continue. It is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall paying my XXXX XXXX XXXX XXXX 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to XXXX XXXX XXXX. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX and XXXX. This has caused lot emotional stress. Please assist with this 30 day late removal.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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

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


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX  XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is a continuation of complaints XXXX, XXXX, XXXX, XXXX, and XXXX. Since we have received little information on what exactly they need to unfreeze our account, my wife and I did research online and found that USAA has a verify link on their site for verifying identify. On XXXX XX/XX/2023, my wife input our USAA ID, a picture of her drivers license, and received confirmation it was received by USAA and was notified that it would take about a day to complete verification. So they now have our passports, my wifes residency card, my wifes drivers license, my military orders ( showing our home address in XXXX and my duty station in XXXX ), and the phone calls my wife and I made to them communicating our information verbally. Our debit cards have been frozen since XXXX XX/XX/2023. 

I double checked my debit card by trying to use an ATM with it on XXXX XX/XX/2023 and received the notification on the ATM that my card had been reported lost or stolen. I was quite surprised since I have not reported this. This indicates that USAA has been deceptive in what they are telling me because they told me that my card was suspended. It seems they marked my card as lost or stolen after my call on XXXX XX/XX/2023 when calling about my wifes card not working. During the call, I asked what other information do they need to reinstate my wifes card. And after not receiving a clear answer, I asked that they send a written letter detailing me this information. The customer service agent seemed agitated when I requested this. It was after that call that my card was no longer available as an option to verify my identify when calling and I received a letter dated XXXX XX/XX/2023 providing very little information ( it seems they created the letter after my call but back dated it to before my call ). So it seems they marked my card as lost or stolen out of spite ( I documented my conversation with a supervisor in one of my earlier complaints where she checked on my card and I overheard her say to herself something to the effect of they even suspended his card at which point my call was transferred with nothing else being said by the supervisor ).
Product: Debt collection

I had a plan in my name with a family member who did not keep up with their share of the bill, which drawed me to the conclusion of closing out the account which resulted with me being left with this outstanding balanced.
Product: Mortgage

I have tried to recieve assistance from my mortgage company to save my house 4 different applications for assistance have all been denied because they said i ran out of time, but i was never contacted if anything was needed. I have a foreclosure pending and have sold this house closing is set for XX/XX/2020 I let me servicer know that i needed a payoff and they have sent over XXXX over what is due on the house adding all kinds of fees and such that i can't sell me house now because I can not afford to pay out of pocket. I have even asked them to modify the amount so i can sell and they sent me a letter increasing the amount making the sale impossible and now I will have to let the house foreclose. And I have to pull the house from the sale because I can not afford to pay out of pocket to close, nor relocate.
Product: Debt collection

XXXX XXXX in XXXX XXXX granted an automatic judgment to these companies that claimed they were collectors for transferred XXXX cards. I filed a motion for discovery and requested information from the companies, they did not respond. I attempted to reschedule the date of the hearing but that was refused. The day of the hearing the company did not show up, when I arrived to court I was told they had to rescheduIe but they did not know immediately when to schedule it for so they did not give the clerk of courts a date, said they would call back. I was never notified of the new date, and when I did not attend, XXXX XXXX ordered a judgment in favor of those companies, in my absence, without acknowledging my filed documents requesting information or desire to be present.
Product: Credit reporting or other personal consumer reports

I noticed Resurgent receivables reporting on my credit report on XX/XX/year>. After noticing this account is a result of identity theft, I filed a dispute with transunion, XXXX and Experian, including my identity theft report. Ive allowed these companies over 4 business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after I have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors. Please resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

BofA VISA # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX  XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with XXXX XXXX XXXX # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' Please see the link below : XXXX XXXX XXXXXXXX # e-1 According to section ( f ) : " If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall : ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; '' Bank of America is refusing to provide me with documentary evidence on how they have been able to determine this transaction was not fraudulent. 

I, hereby, request Bank of America to either provide me with documentary evidence used to reach this decision in their investigation, or reimburse me for the fraudulent charge in the amount of {$9300.00}. 

According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously with a copy of the police report, as well as any additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated It was never proven to be compliant with reporting standards. Also attached will be the original letter sent out on XX/XX/year>24 that was never responded. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX CONVERGENT OUTSOURCING 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 CONVERGENT OUTSOURCING 87387851 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 XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a couple of accounts reporting by Experian, since XX/XX/2018 which were the first round of certified mail, then in XX/XX/2018 was the second round of certified mail. XX/XX/XXXX, I received a return to sender and sent a copy of that mail to Experian. Experian has not investigated the matter and keep sending mail that the account has been updated. On XX/XX/2018 I sent out my 3rd round of certified and I have received the same updated response. They also refused to reverse the findings, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 XXXX  credit card with a balance of XXXX dollars. My credit report shows that I have a balance of XXXX dollars. I also have a debit card from XXXX and XXXX but they are fine ( 0 balance ). I need to know what these other cards are, and who put balances on them. I know for a fact that my passwords were leaked on the darknet. I dont know how.