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

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear Sir/Madam, After EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 
XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX AND XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried several times to get inaccurate reporting removed such as listed below, Date of birth ( inaccurate ) Address 's ( inaccurate ) as seen on XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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 Accounts : XXXX XXXX {$850.00} ( XXXX XXXXXXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX
Product: Checking or savings account

My monthly rent is {$3000.00} and my landlord prefers to receive rent payments via XXXX. My existing checking account ( with a different bank ) has a daily XXXX limit of {$2500.00}, so I searched around and found on Chases website ( https : //www.chase.comXXXX ) that, From Consumer Chase checking accounts, you can send up to {$5000.00} in a single transaction. This is the sole reason I chose to open this account with Chase. 

Unfortunately, after opening and funding the account, I attempted to send my rent payment and received an error stating that my limit is {$2000.00} per day. I called XXXX but XXXX directed me to call Chase ; I called Chase but was told this is determined by XXXX so there is nothing that can be done. Upon further investigation, I noticed that the XXXX Service Terms ( PDF ) linked from the Chase website ( just below where it states the limit is $ XXXXtransaction ) actually states an entirely different limited. In the Transfer Limits section, the linked PDF ( available here : XXXX XXXX XXXX # XXXX ) states that the per-transaction and per-day limit is just {$2000.00} for consumer Chase accounts, rather than the {$5000.00} figure shown on Chases website. 

So, which is it? {$2000.00} or {$5000.00}? If it is {$5000.00}, I need Chase to correct my artificially low limit so that I can use this account for the purpose it was created, which is to send my rent payments in {$3000.00} increments. 

I am very upset at the misleading marketing that advertised a {$5000.00} limit that appears to be a lie or is at best is a theoretical possibility. No one at Chase has been able to tell me when, if ever, my {$2000.00} limit will be increased, so advertising a {$5000.00} limit is manipulative. Again, the {$5000.00} limit is literally the ONLY reason I opened this account with Chase. It is important that this get resolved.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX - XXXX. 
XXXX XXXX : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX - XXXX. 
Proof of each late payment date I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX XXXX XXXX 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

XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX.EQ is reporting XX/XX/XXXX. 

Equifax is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my equifax report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, Equifax is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX  is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.
Product: Debt collection

A few years ago I paid this debt with the promise that it would be removed from my credit reports. It still has not been removed. 

I recently sent a debt validation to this company and I never received a response validating the debt.
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my Transunion credit report. Listed below will be the date and account of the inquiry. 

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

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX Bankruptcy Reference number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have violated my rights XXXX XXXX Account number XXXX have 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 agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I last used my American Express Serve Card on XX/XX/XXXX when I received a refund from XXXX. I did not know that American Express Serve made my Social Security XXXX Deposit early because I just started receiving my SSI payments on the card in XX/XX/XXXX. Therefore, knowing I did not have a balance on my card I didn't check my account because I had no reason to until XX/XX/XXXX when I knew my SSI payment would have been deposited so I could pay my bills. I only get {$500.00} per month it isn't much to live on. When I went to check the balance my transaction summary showed that a government deposit was made on XX/XX/XXXX in the  amount of {$500.00}. There were numerous transactions made on the card for the week of XX/XX/XXXX that I did not make. I was shocked. Actually I cried because I freaked out. I called American Express Serve and spoke with their investigating fraud department and asked how is it possible for this to happen when I have the card and I did not give anyone permission to use it. The person I spoke with kept referring to my deposit as a tax refund deposit and I kept telling him no it is SSI deposit. He asked me how is it possible for charges to be made on my card if it was in my  possession? I told him I don't know that's what I would like to know! He stated that " the card was used in your area and their were withdrawals made from atm 's ''. I said, " okay '', so tell me how is that possible? How is that possible? I have used the card online. I have no idea how theives do what they do I don't know who works for this company or what. He told me they would investigate the claim. I asked him if I was the only one that had this complaint or were there other people having the same problem with their accounts? He said there were other people having the same problem. I asked how many alot or a little? He said a lot. I said any that live in my area? He said yes. Then he said it would take ten days for them to make their decision and the probability would be that my claim would be denied. I was like what? You lose my my SSI payment and your not going to pay me back? I asked if they are FDIC insured because I know that they are and he said he didn't know. Great! I was so upset I hung up. To date I have not received my new card and I have heard nothing back nor have I received my SSI money that was stolen off my account. I have no clue how it was done. I need my money to survive and I barely can do that. Please help me?
Product: Debt collection

It is a Fact that I am XXXX XXXX, a Consumer/Natural Person and ( Cavalry Portfolio Services , LLC ) has engaged in abusive and deceptive debt collection practices which is a direct violation of the Fair Debt Collection Practices Act. ( Cavalry Portfolio Services , LLC ) obtained possession of my personal identifiable information such as my name and address without having my DIRECT permission. ( Cavalry Portfolio Services , LLC ) YOU are now on NOTICE. The term communication under FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( Cavalry Portfolio Services , LLC ) has engaged in indirect communication with me, therefore this is a Communication to cease and desist Pursuant to 15 USC 1692c ( C ).

Pursuant to 15 USC 1692c ( c ) ( 1 ) I advise you to terminate all further collection efforts.

Pursuant to 15 USC 1692cC ( 2 ) Im invoking my specified remedy as the Creditor, as I desire for you to promptly delete this collection account from my consumer report, and pay the amounts listed below which you are liable, for your failure to comply with particular Provisions under FDCPA.

Facts : 1. 15 USC 1692c, I did not give permission DIRECTLY to ( Cavalry Portfolio Services , LLC ) to initiate any communicate with me {$1000.00} 2. 15 USC 1692b ( 5 ) Cavalry Portfolio Services , LLC, 1 ) used a symbol on an envelope, 2 ) used language in the contents in the envelope that contained communication that indicated that ( Cavalry Portfolio Services , LLC ) is a debt collector and 3 ) is in the debt collection business and that the communication relates to the collection of a debt. {$3000.00} 3. 15 USC 1692e ( 2 ) ( Cavalry Portfolio Services , LLC ) used false and misleading representation of the character, amount. The alleged obligation or debt has a positive amount which creates a false, deceptive, and misleading representation. You can not owe on a positive balance, when those funds are available for use. {$1000.00} 4. 15 USC 1692e ( 8 ) Communicating to any person credit information which is known or which should be known to be false. ( Cavalry Portfolio Services , LLC ) communicated with the Consumer Reporting Agencies credit information that is false and this information was communicated prior to receiving a response from me which is dated for XX/XX/year> {$1000.00} If you believe these violations are erroneous put your facts on an affidavit under penalty and perjury along with it sworn and notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with Transunion over the past few months, but the results were not made available to me. I was unable to pull them up on their website. I called in to the service center and I was told they would be sent to me via usps. It has been 5 months and I still do not have them. 
I also requested information TransUnion takes to verify information when a consumer files a dispute. I have asked this several times and I'm never given an answer. I have one company in particular who on several occassions has put a collection on my account but refuses to send me any documents regrading it. These only show up on my TU report. There have been THOUSANDS of complaints across the US from consumers with the same exact issues. 
As a consumer I have a right to know what is in my file. After submitting a complaint last week my online account through them has been blocked. 
TransUnion is literally holding my financial abilities XXXX.
Product: Debt collection

Multiple disputes regarding debt reporting on my credit report from Midland Credit Management. The information is incorrect and does not belong to me. I sent a letter of validation on XX/XX/year> and still have not received the information.
Product: Credit card

Macy 's is charging me interest on a bill that was paid. They keep adding late charges and they are effecting my credit rating.
Product: Vehicle loan or lease

I have settled this account in full and have not been provided a title from Regional Acceptance Corporation despite several attempts to make contact
Product: Vehicle loan or lease

I called the bank informing that my job was terminated and I am waiting to receive money from unemployment. The rep said that there was nothing they could do unless it was a few days before my next payment was due. I asked if we could set up an arrangement so that my credit stays in good standing. She said that " you're account is on current and on track, and there is nothing we can do unless payments default and we report it negatively to the bureaus. '' I thought that was wrong because my account had to be in a bad standing before they would assist me or give me options.
Product: Credit reporting or other personal consumer reports

I received a balance statement from Chase credit card which I never opened.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
I haven't been doing any car shopping, The only inquiries that should be on my credit report are XXXX XXXX or XXXX XXXX. I have no ties or dealings with all other companies running my credit whether it's for financial or promotional. The following inquiries are not authorized, again PLEASE SEND ME MY WRITTEN SIGNATURE where I authorized my credit to be ran. 
The following inquiries need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which was ran twice )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I listed the items below that violated my consumer rights ; under the Fair Credit Reporting Act, I have the right to dispute all the incomplete and inaccurate information in my credit account. 
It has no account name and only reports to Equifax. XXXX, XXXX, XXXX, XXXX, ( Original Creditor : ) XXXX, XXXX. 
According to Fair Credit Reporting Act 15 U.S.C 1681i, Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Section 623 ( a ) ( 2 ) : Duty of furnishers to correct and update information