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

I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of an authenticated original contract with my signature, specifically XXXX XXXX as the company entitled to enforce this reporting to my credit. 
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX Date Opened : XXXX Date of Last Payment : XXXX Date Closed : XXXX  Date Reported : XXXX. 
I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, Experian, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
Product: Debt collection

XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was Security Credit Services, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I applied for a loan online @ Speedy cash on the XXXX of XX/XX/2021 in the amount of {$750.00}, the 1st payment of {$210.00} was withdrawn from my account on XX/XX/2021, I called the company today to get the payoff amount today, and I was told that the payoff amount was {$960.00}. I asked how in the world could the loan payoff be {$960.00} after less than a month of the loan after a payment of {$210.00} and the Customerservice representative start trying to explain a bunch of garbage that still didnt make sense, especially since the phone connection was very bad, I clearly didnt expect this when I took out the loan. Please check into their loan practices, because this should not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights under 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had accounts opened in my name fraudulently. It has been ove r six  months, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says  XXXX ,  XXXX , AND  XXXX  but the address is wrong because mail gets returned. When I  XXXX  them, there is an entirely diffent name listed on the their website. Says  XXXX ,  XXXX , and  XXXX . There is no way Equifax has verified accuracy with a company listed as  XXXX  name and then double reported as another amount, but I know they keep items on consumers credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  XXXX - Account XXXX My parent has the same name as me XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX  XXXX - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violat my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It al : states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for purpose.

4
Product: Credit card or prepaid card

After being advised by XXXX that an unauthorized transaction in the amount of {$39.00} effective XX/XX/2018, needed to be resolved by my financial institution ( PenFed ), I filed two disputes to have the charge investigated and my account credited. Confirmations on XX/XX/2018 and XX/XX/2018 from PenFed advised an analyst would contact me within 21 business days. This never occurred. Three follow-ups via phone ( the latest on XX/XX/2018 ) and two follow-ups via email ( the latest on XX/XX/2018 ) yielded zero results. No agent of PenFed has contacted me regarding this charge. In the meantime, when charges are in dispute consumers are not responsible for the charge, yet the institution auto-debited the amount upon my statement due date.
Product: Debt collection

Got a call from phone number XXXX and it was clearly a scammer, as the did not have my name on file, and demanded that I provide my name or social security number as it is the law. Red flags everywhere, and wanted to report them for being a fake bill collecting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have all 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: Money transfer, virtual currency, or money service

Someone hacked my cash app account and sent themselves XXXX $ of my money. I never authorized this or approved the transaction. I've contacted them XXXX times on this matter and each time they say it's not fraud but someone added their card to my account to transferred it to their account. This is fraud and I want my money back.
Product: Mortgage

SPS 's ( Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ) Deceitful and Fraudulent actions and Refusal to Issue Valid and Correctly Completed Form XXXX For Tax Years XXXX and XXXX : Please refer to the attached file where I have included my interactions with SPS in a chronological order, starting from Page XXXX  to try to resolve this issue. SPS has issued deliberately falsely completed IRS XXXX XXXX in boxes XXXX & XXXX, for tax years XXXX and XXXX ( Page XXXX ). Page XXXX contains IRS guidelines for completing Boxes XXXX and XXXX in Form XXXX. Under these rules, XXXX XXXX must be checked and XXXX XXXX left blank as my address as payer and borrower of mortgage is the same as the property address. Instead XXXX XXXX is blank and XXXX XXXX contains misleading information noting only city, state and zip code. This is violation of IRS guidelines for both boxes XXXX and XXXX. This is also a clear contradiction and repudiation of SPS 's arguments when they were issuing correctly filled Forms XXXX until the tax year XXXX ( Page XXXX ). 

I have tried to resolve this issue amicably by contacting SPS Customer Service and writing several letters. SPS has been acting in extreme bad faith. SPS drags out the matter by taking unnecessarily long periods of time to respond. SPS employees misrepresent, contradict each other, and provide deceitful answers. SPS answers are evasive, dishonest, not to the point. and deflective. 

SPS deceived me in XXXX by appearing to solve the problem with the XXXX Form XXXX by dishonestly including the XXXX Form XXXX in their response ( XXXX XXXX XXXX ). I became aware of this trick during my frustrating and ultimately fruitless arguments with SPS supervisor " XXXX '' on XX/XX/XXXX. XXXX asked me to check XXXX XXXX myself in my tax filings. All my conversations with SPS employees were recorded and therefore it is easy to verify my complaint. The matter has become mentally stressful and request your action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed items are reported by " XXXX '' and " XXXX, '' both reflecting inaccurate and unverifiable information. As a consumer, I am exercising my rights under federal law to demand the immediate correction or removal of these erroneous entries. 
The details of the disputed accounts are as follows : Creditor Name : XXXX Failure to Maintain Accurate Reporting - Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The conflicting reporting dates, as well as the continued reporting of a closed and paid account, indicate an error.

Outdated Information Reported - If XXXX is reporting this account until 2025 while it has been closed and paid, this may be a violation of the permissible reporting period under FCRA 15 U.S.C. 1681c ( a ). 
Failure to Verify Information Upon Dispute - 15 U.S.C. 1681i mandates that credit bureaus conduct a proper reinvestigation. I request that you obtain original account documentation to verify its accuracy. 

Creditor Name : XXXX Dispute Grounds : Inconsistent Reporting Across Bureaus - The balance and high balance amounts do not match across all three bureaus, suggesting inaccuracy in reporting. 
Failure to Update Account Status - The account is marked as closed, yet late payment remarks remain, which is misleading and inaccurate under 15 U.S.C. 1681e ( b ).

Inaccurate Remarks - The creditor remarks indicate " canceled by credit grantor '' and " closed due to inactivity, '' which need verification as these conflicting statements may impact my creditworthiness unfairly.

I demand the following actions : Conduct a full and proper investigation as required by the FCRA.

Provide me with all supporting documentation used to verify the accuracy of these accounts.

If verification can not be provided, immediately delete these accounts from my credit file.

Cease reporting inaccurate and misleading information to ensure compliance with federal law.

Failure to comply with these legal requirements will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal proceedings for damages as permitted under FCRA 15 U.S.C. 1681n and 1681o.

I expect a written response and resolution within 30 days, as required by law. Please send all correspondence to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 XXXX XXXX was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act convergent XXXX XXXX XXXX, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion CorpXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX
Product: Credit card

One of the main reasons I applied for the BarclayCard was their Extended Protection Program -- a feature that doubles, up to one additional year, a manufacturer 's warranty on products purchased with their credit card. The first time I took advantage of this feature, XXXX/XXXX/XXXX, I faithfully submitted all required documents, as well as additional ones BarclayCard 's agent requested. The manufacturer 's warranty ( an XXXX Watch that the Genius Bar worker admitted had a manufacturer 's defect ) had expired two weeks prior to the watch partially disintegrating. BarclayCard denied the claim, and after I sent them a letter telling them to either pay the claim or close my account, they attempted to reimburse me by filing a false {$370.00} dispute for the date of the original purchase ( XXXX/XXXX/XXXX ). They filed this dispute without my knowledge or permission and damaged my reputation with XXXX. ( I am an XXXX with apps downloaded and sold in more than XXXX countries. ) I think you will understand my concern for this false dispute by the fact that an executive from XXXX XXXX 's office called me yesterday to discuss the matter. 
I want BarclayCard to honor their committment under their " Extended Protection Program '' and reimburse me {$210.00}, the cost of having the XXXX Watch repaired. I also insist that they write an apology letter to XXXX, stating that they, not me, incorrectly issued the dispute for the original purchase of {$370.00} on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and dates last reported is not accurate. This is ground for removal they also violated my rights under 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debts, nor therefore any such debts, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A State, I have right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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.