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

I am filing a formal complaint against XXXX, XXXX, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ) in relation to my dispute concerning a charged-off account from XXXX XXXX XXXX  XXXX Despite my repeated disputes and requests for verification, the credit bureaus have not provided the required verification details, which suggests that the investigations were not conducted reasonably or thoroughly as mandated by law. 

Details of the Account and Dispute : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed and Charged Off as Bad Debt Credit Limit : {$300.00} Account Description : Revolving, Monthly Payment Dispute Status : XXXX XXXX Account not disputed XXXX : Account information disputed by consumer under the Fair Credit Reporting Act Equifax XXXX Account not disputed Bureaus ' Failure to Comply with FCRA Requirements : Inadequate Verification and Non-Response : I requested the method of verification from each bureau, as permitted under FCRA Section 611 ( a ) ( 7 ). None of the bureaus provided a clear description of how the disputed information was verified, the specific steps taken, or the identity of the verifying entity.

Lack of Evidence Supporting Verification : The credit bureaus have continually reported the account as " verified '' without providing supporting evidence such as original account statements, creditor correspondence, or any documentation proving the validity of the charges and reporting status. This repeated failure indicates a lack of reasonable investigation as required under the FCRA. 
Inconsistent Reporting and Dispute Handling : XXXX claims the account was " verified '' on XX/XX/XXXX but fails to acknowledge my dispute request and refuses to provide verification proof. 
XXXX reports the account as " disputed by the consumer, '' yet no substantial verification details or evidence have been provided to substantiate the reporting. 
Equifax similarly reports the account as verified but closed with a charge-off status, without addressing my verification requests. 
Impact of Non-Compliance : The failure to provide proper verification has caused significant damage to my creditworthiness, financial stability, and has resulted in undue stress. This derogatory and unsubstantiated reporting has negatively impacted my ability to obtain credit on favorable terms and has harmed my overall financial reputation.
Product: Checking or savings account

Bank of America opened an account without my permission, knowledge or authorization.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX Inaccuracies Charge-Off Status and Payment History : o Both TransUnion and XXXX list the account as " Charge-off '' with a balance of {$16000.00}, but there is no explanation for this status. 
o The payment history does not show late payments leading up to the charge-off.

2. Inconsistent Reporting Across Bureaus : o XXXX : Provides no data for this account, resulting in an incomplete report across all bureaus. 
XXXX. Future Reporting Dates : o Last Reported : TransUnion and XXXX report a " Last Reported '' date of XX/XX/XXXX, which is a future date and violates the FCRA 's timeliness requirements. 
XXXX. Resolution of Consumer Disputes : o Both bureaus mention a prior dispute with comments such as " Dispute resolved reported by grantor '' ( TransUnion ) and " Account previously in dispute now resolved '' ( XXXX ), but no resolution details are provided. 
5. High Credit vs. Balance Discrepancy : o High Credit : {$27000.00}.

o Balance : {$16000.00}. 
o While this discrepancy may not be inaccurate, it requires clarification. 
XXXX. Date Last Payment vs. Date Last Active : o Date Last Payment : Listed as XX/XX/XXXX. 
o Date Last Active : Listed as XX/XX/XXXX. The date discrepancy requires correction or clarification. 

Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. 
In addition the Certificate of Indebtedness the documentary evidence required to prove this claim is a general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger on behalf of XXXX XXXX XXXX. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ). 
By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX. This kind of activity is considered conspiracy racketeering. 
All of these issues suggest Securities Fraud. If this is not immediately removed from my consumer report, you cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I didn't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is Credit Central located at XXXX XXXX XXXX in XXXX Georgia XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself ( see attachment ) with my disputes, as of XX/XX/XXXX & XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX A XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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 relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX addition, DELETE all non-account holding inquiries over XXXX  days old. 
Under federal law, you have XXXX ( XXXX ) 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 fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I have a sick baby which requires a lot of medical attention. Being a single mother I struggle to pay my bills due to missed work attending to my child. My car payment has fallen behind by 3 weeks in the past but the accepted my late payment. This past time I fell behind by 3 weeks the company repossessed my car with out telling me. I got into a tiny finder bender but due to a XXXX recall it left my car undrivable so I had it towed to a place to get it fixed on XXXX. The repair garage ordered my part and told me they would call me when ready. After almost a week on friday XXXX I call the repair garage to see if my car was ready and they told me my car had been repossessed off their lot. My last payment making my car payment current was on XXXX. They repossessed my car XXXX. Not even 30 days from my payment making my loan current. Its a bi-monthly payment so it was behind 1 payment. I didnt have a functioning phone because my XXXX had the XXXX screen of death so I could not use it and couldnt afford to replace it at the time so if they tried to contact me I would not know. I also asked them how they even knew where my car was and they told me they put a tracking device on my car with out my knowledge. I called an atturney to get some help because even though my loan was current they would not give me back my car. The atturney needs my paperwork on the loan which mcmc auto never gave me so I called mcmc auto to get my psperwork and they said they will give it to me but I have to purchase it for {$45.00}. Which is completely wrong to make someone purchase their loan agreement papers. They wont even give me my account number or loan number. I am still current on my loan and I still do not have my car, my loan agreement, and unless I pay them an absormant amount of money for repossession, towing, Storage, and buying my loan agreement I will not get my car back. I will not pay the repossession costs because they repossessed my car not even being 30 days late after accepting a late payment all ready. This is putting me and my sick daughter in much distress with no end in sight.
Product: Credit card

Order XXXX was not delivered to my home address. Shipping company XXXX says I can not submit a claim and XXXX will not respond to my inquiry. 

Discover approved the charge and denied the claim because XXXX provided a generic stripe dispute shipping info.
Product: Debt collection

XXXX refuses to remove negative information from my Credit. XXXX has been asked continuously in writing as well as verbally to verify the debt. XXXX can not provide me with the validation of the debt he is trying to collect. I have told XXXX repeatedly that I DO NOT want any business with his company nor have done any business with his company. I have asked for a wet signature contract with his company and he has not been able to provide one.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Debt collection

15 U.S.C 1681 Section 602 A States I have rights to privacy.

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting

After XXXX tries to get EXPERIAN to correct information erroneously filed by XXXX XXXX XXXX re a late payment in XXXX 2014 for my home loan they have told me I have to wait another 30-45 days before there is a final final decision. My home closed, sale was funded and XXXX paid in full XXXX XXXX, 2014. I did NOT own the home in XXXX, CA in XXXX 2014 so could never have a late payment. I sent them a copy of the Full Reconveyance on the deed that was notarized XXXX XXXX, 2014 and recorded. This error by B of A has been on my credit report erroneously for 1 year. I want it finalized. The other XXXX credit reporting agencies took care of it immediately. EXPERIAN said the deed was not sufficient. I am tired of this and think their lack of remedying this problem is beyond terrible. I want it taken care of. I have been fighting them for over three months since I found out about the error. 
If you want a copy of the deed I can send it to you. PLEASE help me correct this ASAP. Thank you.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus deleted the account ( XXXX  XXXX, however it is still reporting on their websites. 
Also, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to Transunion. 

Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX  Account # 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

XXXX XXXX took out two payments of XXXX each in XXXX and XXXX and have a payments XXXX going out of my account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 me the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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. 

They are not in compliance with the following law. XXXX XXXX XXXX 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

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

Delete the late payments from my consumer reports