23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Grain Technology The reporting of this account is violation of 15 USC 1692e, The Fair Credit Reporting Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Under federal law the reporting of inaccurate and incorrect account to my consumer report is implicating that a debt collector which is Grain Technology operates by a consumer reporting agency which is ILLEGAL UNDER FEDERAL LAW. YOU ARE IN CLEAR VIOLATION OF THE FEDERAL LAW AND LEGAL ACTION WILL OCCUR IF THE ACCOUNT IS NOT DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

The reporting of this account is violation of 15 USC 1692J ( Furnishing certain deceptive forms ), The Fair Credit Reporting Act ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. 

Grain Technology is furnishing an inaccurate and incorrect account on my consumer reports according to the statue above. Grain Technology is in violation of furnishing false information to a consumer report, Grain Technology is subject to : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional ; Grain Technology is intentionally violating federal law due to falsifying information on my consumer report that by law should not be there and is non-compliant. I will sue for actual damages if the account is not immediately removed from my consumer report. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

This letter was sent twice both times IC Systems ignored my request. I sent the letters within 30 day time frame. XXXX removed it from my credit report do to lack of response. IC Systems has not provided any information requested. I believe XXXX and XXXX are negligent in their resposibilities to the consumer. 
Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that showed I agreed to pay what you say I owe ; Identify the original creditor and the original contract ; Prove the Statute of Limitations has not expired on this account ; Show me you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent ; If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during the investigation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home, my cell phone or my place of employment. If your offices attempt telephone communications with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. You also may not communicate with me by email. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
IC Systems : Account # XXXX Ph : XXXX Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had XXXX, XXXX Trans Union, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?
Product: Credit card or prepaid card

I ordered some clothing online, two purchases in the amounts of {$140.00} & {$81.00} The merchandise was never delivered to my home. The packages is missing. I have e-mailed several times with no response to customer service and disputed the charge on their website. For two weeks no response. I have no merchandise and can't get a refund.
Product: Credit card

back in XX/XX/XXXX, I spoke with a representative at XXXX who made a payment arrangement with me. The instructions given to me during the contact were that I would be responsible to make XXXX payments on the account to pay in full. I made the XXXX payments and the account was closed. Later, I find out on my report that Capital One is reporting it as a settlement. I was not informed this was a settlement. I spoke with a representative at Capital One on XX/XX/XXXX who acknowledged the error and advised me it would be deleted from the credit bureaus. He just needed to do this and would send me a copy of the letter. After a week of not hearing from this representative, XXXX, I called back and was told he was on an extended absence and that my case would be reassigned. After another week of not hearing from the new case manager, I called and spoke to XXXX with their customer relations department advised me that that I had a {$170.00} balance left owing. She offered to have me pay the balance so that the account would truly show paid in full, not charged off paid in full but said she would get back with me after she checked to see if she could do that. After XXXX days she calls me back to say that I could pay it but it wo n't " help. '' There are so many things wrong on so many levels with how this all transpired. Delayed contact back from Capital One several times, representatives offering to do things that they did n't know if they could do due to lack of knowledge from someone who is in an upper level representative position, answering for their CEO and not knowing her stuff. XXXX promising me that it would be done XX/XX/XXXX and that I 'd get a letter and then XXXX saying that she had that call pulled and listened to and that she could understand why I would be confused by that contact with XXXX and yet not making it right. Then stating that I could pay the {$170.00} but that would start the clock back over resulting in them reporting negatively until XX/XX/XXXX, possible XX/XX/XXXX. I want this removed from the credit bureau due to XXXX 's original agreement to show it paid in full not a settlement.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have more than 60 days waiting for a response from the credit bureaus, because I have negative accounts that should not be on my credit report and inquiries that I did not authorize. I waited too long for the credit bureaus ' response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the XXXX XXXX CT XXXX XXXX XXXX XXXX. I wrote the XXXX XXXX CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The XXXX XXXX CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from XXXX BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.
Product: Consumer Loan

I was denied a loan by the XXXX XXXX XXXX. The denial stated it was based upon information provided by Equifax, XXXX XXXX XXXX, XXXX GA XXXX. The denial stated that I was eligible for a free copy of this report and stated that it was my legal right to obtain this information. On XXXX XXXX, 2015, I requested a copy of the report with a letter to Equifax. Equifax has not responded and I am requesting your agency help in requiring Equifax to meet it 's legal obligation to send the credit report they maintain on me.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct these accounts in my credit file : 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 or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX - XXXX - {$8300.00} XXXX XXXX XXXX - {$7300.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified account XXXX XXXXaccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX. XXXX acct # XXXX, XXXX   acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Product: Credit card or prepaid card

on XX/XX/2021 someone used my credit card to order something with XXXX. Since this is an Apple credit card, when I got a notification of a pending transaction, I immediately notified Apple Card Customer service. I never had a postmates account, never used their services. Yesterday I received an email stating that Goldman Sachs Bank USA has investigated my transaction dispute, and it's been resolved in favor of XXXX XXXX. When I called them to find out why several customer representatives told me they have proof from the merchant. When I asked them to provide me with the proof, one of the managers said " actually when I open your file, there is no proof, anyway for right now you are responsible for this transaction, or we can reopen your case '' seems like whoever was working on my dispute case just decided on their own, without having any evidence.
Product: Credit card or prepaid card

On XX/XX/2019 I received a letter from wells fargo fraud dept. notifying me there were possible fraud activities on my account and to call them. When I called they notified me that there were {$2500.00} in cash advances taken out on my credit card in CA. I live in Ohio. There were also charges of {$50.00} each of two item transfers. There must have been some other fees because the total balance was {$2600.00}. I told them to immediately close those accounts.

Shortly after that I received two checks from Wells Fargo. One was for {$1200.00} the other one was {$71.00}. Attached to the check was a note stating that I had not fulfilled my obligation to Wells Fargo. 

Due to the fact that when I called the fraud department several times and they refused to give me any information on the account, I am assuming that the money they sent me was from the accounts that were opened that not been used by whoever opened at the accounts. 

On XX/XX/XXXX I received a letter from Wells Fargo stating that because I closed that account they can not reverse the online transfer. Therefore, there will be no adjustment made to my bill and the claim is now closed. 

I have now closed all of my accounts with wells fargo including the new credit card they sent me because of the fraudulent charges on the old card. According to this letter they are holding me responsible for {$2600.00} for all of the fraudulent charges that were made on my credit card account. 

Wells Fargo notified me that there were fraudulent charges on my account while before I even received a bill for them. I had not used this credit card for at least over a year. After them notifying me there was fraudulent activity I received the monthly statement proving that they were correct in telling me that there was fraudulent activity. Obviously, the bank realizes that I did not make these charges but yet are putting them on my bill and making me pay for them. 

When I closed those accounts I was not notified that this would affect the fraud claim. The reason I closed those accounts was because I was afraid there would be more fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 at XXXX i called Experian to have a personal statement removed from my credit report, i was told that i could not get this removed by calling in, so i asked to speak with a supervisor the employee state " he will tell you the samething " I was left on hold for approximately 20 mins no supervisor ever came on and the employee never returned.

I called back for the second time and was told by a female employee that i don't have a personal statement it's callex a fraud alert, i told her it says personal statement on my report.

She also told me it can't be removed over the phone even though this was an option.

I told her i wanted to speak to a supervisor and she rudely tried to cut me off by saying " he is going to tell you the same thing sir " I told her i would like to speak with him, i was left on hold once again for 20+ mins, no one ever returned to the call.

My attempted to get this resolved started at XXXX this morning of XX/XX/2018.
Product: Credit reporting or other personal consumer reports

There are two items on my Equifax credit report that are not mine. I have sent letters and electronically filed disputes with Equifax multiple times over the years regarding these two accounts. The most recent disputes were on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I request for Equifax to validate the debt and send me evidence from XXXX XXXX  and XXXX that the accounts they have listed on my credit profile are mine. I have never received any documentation from Equifax showing that I have ever had accounts with XXXX XXXX  and XXXX, or that I owe the companies money for past credit card debt. I have contacted both XXXX XXXX  and XXXX and they do not seem to have any information about me or any old credit card accounts. I had fraud and identity theft years ago and I suspect that is how these two credit cards ended up on my credit report. The two accounts are : XXXX. XXXX XXXX. Account number : XXXX. XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX The last 4 digits of the account number are : XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.