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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation of Identity Fraud Complaints 15 USC 1681 , 15 USC 1666, and 15 USC 1692 ( g ) Dear XXXX, Transunion, XXXX, and XXXX I am writing to request a reinvestigation of the identity fraud complaints I previously filed with the Consumer Financial Protection Bureau XXXX CFPB ), which are governed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, as well as by 15 USC 1666 and 15 USC 1692 ( g ), which regulate fraudulent reporting and debt collection practices. 
On XX/XX/XXXX and XXXX, XXXX, I reported that I was a victim of identity fraud, which has resulted in inaccurate or unauthorized information being included in my credit file. Despite my efforts to resolve this issue, I have not seen an adequate resolution or correction of the fraudulent entries. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough reinvestigation when fraudulent activity is reported. Specifically : XXXX. 15 USC 1681- Fair Credit Reporting Act : Requires you to investigate any disputes I raise regarding inaccurate information in my credit file, particularly information that resulted from identity theft or fraud. 
XXXX. 15 USC 1666 - Billing Errors : Prohibits creditors from continuing to collect on fraudulent accounts or charges stemming from identity theft. 
XXXX. 15 USC 1692 ( g ) - Debt Collection Practices : Requires debt collectors to provide proper validation of debts, including ensuring that those debts are not a result of identity fraud. 
I kindly request the following : XXXX. A comprehensive and prompt reinvestigation of the disputed fraudulent entries related to my identity theft. 
XXXX. A detailed explanation of the steps taken to investigate these fraudulent accounts and remove them from my credit report. 
XXXX. Immediate correction or removal of any inaccurate information found during your reinvestigation, in accordance with my rights under the law. 
XXXX. Documentation of any communication or steps taken by the debt collectors or creditors involved in this fraud to rectify the situation. 
Please inform me of the outcome of your reinvestigation as soon as possible and provide a written explanation of the actions taken to resolve this matter. 
If you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Certified Letters To Experian XXXX XXXX  To Validate Debts Reporting To My Credit Report On XX/XX/2021 On XX/XX/2021 XXXX Credit Bureau Received My Request And Failed To Respond With In The Normal 30 Day Time Frame And With In The 45 Day Time Frame With COVID XXXX Experian Did Not Open Up A Investigation Until XX/XX/2021 Which Is Well After The 45 Business Day Time Frame. Even After Opening The Dispute Experian Closed The Dispute With In Two Days Which Give Me The Impression It Was In Fact Not Fully Verified
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Checking or savings account

In XX/XX/2023 I received a call from Card Loss XXXX regarding a charge. I was unable to take the call so they locked my card for any further use. When I did call the number back on XX/XX/XXXX to state the transaction was unauthorized the system directed me to a live agent. I was unable to speak with an agent then so I spoke to a Chat agent on XX/XX/XXXX she referred me back to Card Loss Prevention her XXXX is XXXX XXXX XXXX. I called back on XX/XX/XXXX to speak with the department to state the transaction was unauthorized she proceeded to verify my information when I did verify she refused to continue the conversation and wanted to transfer me to Customer Service. She started to ask for my driver 's license number and social security. I advised her that I would rather speak with another XXXX XXXX agent since she was unwilling to send me a new debit card. After the wait, she instead took me to a supervisor by the name of XXXX and she started to verify me and told me that a new card would be sent out to me since the number is no longer protected. The card never came. The account needed to have a deposit to bring it current, however, I can not visit an ATM to deposit any funds since the card is prohibited. I spoke with someone else via the XXXX channel and that person mailed me a new card and pin number but it was too late because the next few days the account was closed. This all could have been avoided if the previous agent and XXXX mailed out a new card as I requested. I spoke to the Collections department on XX/XX/XXXX and inquired about having my account reopened due to their lack of information and bank error. The agent wouldn't put in the request to have the account reopened and I proceeded to file this complaint. The agent informed me a cashier check would be mailed which is untrue only they that happened was the deposit was sent back to my account that I made since the account was only negative XXXX dollars due to their lack of giving me a card.
Product: Debt collection

XXXX XXXX XXXX began reporting a debt they had acquired on my credit report without following section 806 of the fdcpa. I have disputed it on the grounds outlined by the FDCPA that I was not notified within the first 5 or 30 days of reporting but to no avail. It is currently being disputed by XXXX XXXX.
Product: Debt collection

XXXX   XXXX   XXXX  illegally raised my ren t (  California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead.      XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't receive any response from the bureaus. I have sent off multiple letters this doesn't make any sense.
Product: Credit card or prepaid card

Hi sir/madam Am started to using SBI cashback credit card on XX/XX/XXXX Sales executive offer me 'The Cashback SBI Card has no application cost. But, beginning with the second year, you will be required to pay an annual/renewal cost of RsXXXX XXXX which is waived if you spend RsXXXX XXXX  lakh in the preceding year. so am applied. card deiliverd in XXXX 
Bill generated XX/XX/XXXX, am checking the statement its included annual fee XXXX, I have SBI delivered Envelopes, its inside Exclusive Benefits Letter Clearly Mentioned 'Renewal Fee of Rs. 999 + taxes is applicable from Second year onwards which can be reversed on reaching annual spends of RsXXXX XXXX lakh ' ( Referring image below attached ) I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Product: Checking or savings account

Ive been with Navy Federal since the XXXX and they have been charging my excessive fees from overdraft to NSF
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this in accordance with federal law. 

Please see the attached invoice and affidavits for the following violations.
Product: Debt collection

Clark County Collections Services, LLC is attempting to collect on an alleged debt that I do not currently owe. This continued harassment is causing me significant harm and emotional distress. I have never done any business with this company and demand that they cease and desist any further communication with me in regard to this account. Pursuant to the FDCPA I am refusing to pay this alleged debt and do not want any further communication with this company. Any communication with a consumer reporting agency in connection with this account will result in a federal or state lawsuit. Any attempt to collect on this account constitutes harassment.
Product: Credit reporting or other personal consumer reports

I previously submitted a report to address inaccuracies in the information sent to me by the credit bureau via email. I am reaching out formally to dispute an error Ive noticed on my credit card statement. Ive also requested an additional investigation, but it appears this issue was overlooked. I would appreciate your prompt attention to this matter and kindly request a confirmation receipt to keep me informed of any updates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated the federally protected consumers rights to privacy and confidentiality under 15 USC1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at XXXX Equifax report on XX/XX/year> and noticed that somethings are incomplete and inaccurate according to the Fair Credit Reporting Act. Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy according to 15USC1681 ( e ) ( b ) And according to 15 USC1681i ( 5 ). They are suppose to do this treatment of inaccurate or un verifiable information.In general after any reinvestigation under paragraph ( XXXX ) and information dispute
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the persistent issue of inaccurate derogatory items and charge-offs reported on my credit profile by Experian XXXX XXXX XXXX Despite my efforts to resolve these inaccuracies directly with the credit bureau, they have failed to correct or remove the erroneous information. My credit profile includes several charge-offs that are being inaccurately reported. These accounts are either not my responsibility or have been settled but remain incorrectly listed as charge-offs. There are additional derogatory marks on my credit profile that are outdated or unverifiable. These items have unfairly impacted my creditworthiness, livelihood and overall financial standing. I have previously disputed these inaccuracies with Experian, providing supporting documentation to substantiate my claims. Despite my disputes, the derogatory items and charge-offs remain on my profile, indicating a failure to properly investigate and correct the inaccuracies as required by law. 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports : This law stipulates the types of information that can not be included in consumer reports beyond certain time limits. Equity jurisprudence principles demand that wrongs be remedied and fairness maintained. Clean Hands Doctrine : This principle asserts that one who seeks equity must come with clean hands. My efforts to rectify my credit profile inaccuracies demonstrate my good faith and honest conduct, warranting equitable relief. The principle of subrogation allows me to step into the shoes of the creditor to rectify any inaccuracies. In this complaint I have provided a few federal cases to support my claims. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case underscores the broad equitable powers of courts to ensure justice is served, including ordering remedies that ensure fairness and correct wrongs. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that creditors must ensure the accuracy of the information reported to credit bureaus. Failure to do so can result in damages awarded to the plaintiff for harm caused by inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case highlighted the obligation of credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The court held that failure to conduct such an investigation could lead to liability for damages. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

The credit bureaus has failed to remove fraudulent accounts from my credit report.. I am now submitting a police report, which confirms that these accounts do not belong to me. The following accounts were previously verified but should be deleted : XXXX. XXXX XXXX {$740.00} XXXX. XXXX XXXX {$190.00} XXXX. XXXX {$2700.00} I request that the credit bureaus review the police report and remove these accounts from my credit file immediately.
Product: Debt collection

While reviewing my credit report I noticed a new collection account was added. The collection company seems to be called Consumer Adjustment Company with an original creditor XXXX XXXX. I never received any communication from XXXX XXXX XXXX and I was never afforded my right to request for debt verification or to dispute the account or it's charges in violation with the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX  is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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 : 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 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 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 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 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

HSBC REPORTING THE SAME MORTGAGE TWICE, ONE UNDER HSBC T HE OTHER UNDER MORT GAGE SERVICE CENTER. IT LOOKS LIKE I HAVE TWO PAYMENTS DUE PER MONTH FOR {$2800.00} WHEN ITS ONLY ONE.
Product: Debt collection

Account, XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe youve sent proper notification, please provide Certified Mail with receipt displaying my signature, if not, please delete account ending in XXXX XXXXrom my report or I will have to take legal action.
Product: Credit card or prepaid card

Around XX/XX/XXXX or XXXX my teenager son son wanted to buy used XXXX headphones he saw advertised on app called XXXX & started talking to XXXX XXXX the seller. The seller was telling my son to use XXXX to pay him & when I asked my son why cant you pay him through XXXX he said seller cant accept payment from that up. I got a bad feeling about this whole transaction but I agreed because my son was very excited about getting these headphones & he has XXXX so I help him with purchases. Now I had messages on messenger with the seller & he got paid through XXXX & he said he would send the tracking but never happened & he ignored messages. Now I disputed the transaction with XXXX and now XXXX rejected because theyre saying we violated the XXXX policy by paying a vendor through friends and family so theyre blaming us & rejecting the claim. The crook got paid & we are out of & {$100.00}. Our credit card company Discover is not protecting us and XXXX is taking sides with the crook who swindled us & we broke the policy. First able when we made the payment through XXXX we didnt know XXXX was involved and XXXX didnt show the details of the transaction. Now both Discover & XXXX is rejecting this online scam as treating it as its our fault & we are liable for the payment. XXXX also didnt help by saying its friends & family transaction. I asked them to investigate this guy and report him to authorities & I doubt they did anything. I dont want to be resposible for this charge & I want it taken off my account. This is an online scam & he is praying on people like my son who has XXXX. Plus not everyone out there knows these apps like XXXX or sending money on XXXX is like cash where there is no tracking it or crooks like this use it to their advantage. XXXX and Discover dont offer any consumer protection when scams like this are going on. Im sure we are not the only ones. Plus XXXX & XXXX charged around {$4.00} in fees which Im sure there is insurance that protects them during fraud cases. Im out right now {$100.00}.