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

XXXX TRANSUNION Method of verification request To whom it may concern This letter is in response to your recent claim that the following account down below verified the accounts they are reporting is accurate.

Please be advised that Im exercising my rights under the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by agency including the business name address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available In compliance with this method of investigation request provide the following XXXX XXXX / XXXX / XXXX The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
please provide the information on this site!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has two accounts on my credit report that should not be there. The first one is a credit card account number XXXX showing an opening date of XX/XX/XXXX. The second is an Auto Loan account number XXXX opened on XX/XX/XXXX. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraudulent information removed from my report.
Product: Checking or savings account

I received a Cashier 's Check from a customer/scammer for goods/services. The amount of the check was supposed to be {$XXXX}. They sent a check for {$XXXX}. They requested that I send the difference via XXXX and XXXX, and keep {$XXXX} for my trouble. In other words, keep {$XXXX} and send {$XXXX}. I was very reluctant at first. I had initially strongly opposed but the customer/scammer had a deadline upcoming and was pushing. I was nervous that the customer would write a bad review for my business for not complying. I deposited the cashier 's check on Monday, XX/XX/XXXX. {$XXXX} became available, and the rest ( {$XXXX} ) was pending. Tuesday, XX/XX/XXXX, the rest of the funds became available. I called XXXX and on a recorded line, the account supervisor named XXXX verified that the funds had cleared. I asked many times, and explained that the XXXX was very suspicious, and that I did not feel comfortable sending this money because I don't know them, however, if the cashier check cleared, and the funds are safe in my account and can not be pulled, I will proceed with sending the money since I have my portion of pay. The chase representative told me multiple times that the cashier check has cleared, it is safe in the account, and that there is no way that the bank that issued the check can retrieve these funds. XXXX days later, on XX/XX/XXXX, XXXX reported that the check was fraudulent and pulled the funds ( {$XXXX} ) out of my account. I would have never sent the money if the customer representative did not tell me that the money is safe in my account. I asked several times, and she reassured me each time that the money was cleared, the funds are/were guaranteed. I called because I was suspicious in the first place, but took the risk because I thought the transaction was valid and verified by the information provided by XXXX. I noticed the funds were pulled the morning of XX/XX/XXXX. I called XXXX and the account supervisor, named XXXX, told me there was nothing they could do about it now. It was their fault for giving me the wrong information about funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Credit reporting or other personal consumer reports

I have several accounts on my report that have been on there for more than 7 years. Which after 7 years they are suppose to come off but instead of them coming off they keep selling them to different companies and they keep changing the dates and moving them closer to the current date so they stay on my credit report. Almost everything on my credit reports are from 8+ years ago and they just keep selling them to different companies and changing the dates to keep them on my credit report which in turn has kept me from being able to buy a home, buy a car or even rent a place or get any kind of loan at all. Everyone I have spoken to professionally about this has told me that it is illegal for these companies to keep selling my debt and information to different companies to keep it on my report and keeping my score from going up or me being able to buy anything or get any kind of credit at all. I need help to get this inaccurate stuff off my reports so I can buy a home and a new car for me and my kids. These people are doing illegal stuff to keep me in debt and I need help to fix it. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with CFPB ( XXXX ) on XX/XX/2020 on Equifax for the inaccurate reporting of the a collection account with XXXX XXXX. I received the following response from Equifax " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX ''. 

The problem with this I contacted Equifax in XX/XX/2020 regarding this same account. Along with the complaint I provided proof of Identification ( The exact same that being provided in this complaint ).

15 USC 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller ''.

Equifax has had 3 opportunities prior to this complaint to contact the data furnisher to verify the account. That was not my initial complaint with Equifax. My initial complaint was for them to provide me with the method of verification. ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i ) How did they verify the account to be accurate, who did they talk to, what information was forwarded back to them to confirm the accuracy of account. I specifically, requested that they DO NOT USE any forms of automation to re-investigate the account such as E-Oscar. 

I've never received from Equifax the information I requested from Equifax. Even today as I submit this second complaint the information has not been sent. I'm including the letter I sent Equifax requesting the information.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " 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

In accordance with the Fair Credit Reporting act XXXX  Accounts Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility : Individual Remarks : each of these 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
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint regarding an issue I encountered with Equifax. On several occasions, I noticed discrepancies in my credit report that were not reflective of my actual financial activities. Despite multiple attempts to rectify the situation directly with Equifax, the inaccuracies persist, leading to undue stress and potential financial repercussions. I seek the CFPBs assistance in addressing this matter to ensure that my credit report is corrected and accurately represents my financial history. I understand that my description may be published on consumerfinance.gov to help others learn from my experience, and I consent to this after the CFPB has taken steps to remove my personal information.
Product: Credit reporting or other personal consumer reports

You're emphasizing that accounts on your consumer report are linked to identity theft, and you never provided written authorization or a wet signature for their inclusion. You've recently communicated with the organization about this issue and are formally requesting the prompt blocking and removal of these accounts from your report. Their presence has caused you significant emotional and financial distress by inaccurately representing your credit history and responsibilities. 

You're stressing that if this issue isn't appropriately addressed, you're prepared to take legal action to protect your rights and seek resolution. These fraudulent items on your credit record have hindered your ability to achieve important financial goals, such as purchasing a home and meeting your family 's needs.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Radius Global Solutions, LLC, for committing identity theft. I have never given Radius Global Solutions, LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Radius Global Solutions, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Radius Global Solutions, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Radius Global Solutions , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Radius Global Solutions, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Radius Global Solutions, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Radius Global Solutions, LLC, continues its collection efforts, I will file for litigation for actual damages caused and Radius Global Solutions, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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 rights 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, 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 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.
Product: Credit reporting or other personal consumer reports

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

To whom this may concern : I am writing because I received a 30-day late reporting on my credit report due to misinformation that I received from one of your customer representatives XXXX on XX/XX/XXXX. 
I called into the customer support line of XX/XX/XXXX, to inquire about why I received a {$29.00} late fee when I made my scheduled payment on XX/XX/XXXX, which is the due date. I realized I had the fee by logging into the XXXX app. I spoke with XXXX who stated on a recorded call that the fee was an error on the companys end and that he would remove the fee. Prior to calling in I had scheduled a {$300.00} payment because the app had stated that I needed to pay that amount to get my account current. I asked XXXX about that and if I needed to make that {$300.00} payment or if he had corrected the error. He stated I did not need to make that payment and that the account would update soon and therefore I asked him to cancel the {$300.00} payment since he made it clear it was not necessary. 
On XX/XX/XXXX I saw in my app that it was still reporting I had a balance, so I called in again and spoke with a representative who finally explained that what happened was I did not pay the minimum payment of {$280.00} in XXXX. I made a {$200.00} payment because I was under the impression the minimum payment was {$180.00}. She explained that I would need to make another payment of at least {$200.00} to be current. I then went into the app and scheduled the payment while on the phone with her. She let me know that would cover XXXX payment but that I would still need to make another payment before XX/XX/XXXX to cover XXXX payment. 
Had XXXX explained on XX/XX/XXXX that the reason I received the late fee was because I did not make the minimum payment, and not that it was an error on the companys end. I would have made the rest of the payment that day and/or I wouldve made the {$300.00} payment I had already scheduled. He assured me that it was not needed and subsequently canceled that payment on his end.
Product: Checking or savings account

YESTERDAY MORNING ABOUT XXXX OR XXXX XXXX ON XX/XX/18 I VIEWED MY ACCOUNT AND WITH ALL PENDING ITEMS I WAS XXXX PLUS DOLLARS SHORT/NEGATIVE. SO I TRANSFERRED XXXX DOLLARS TO AVOID THE FEE. GUESS WHAT I GOT IT ANY WAYS. I HAD NO OTHER PENDING ITEMS FOR THAT DAY, BUT LATER ( XXXX ) THAT DAY I BOUGHT MY SON WATER WHICH WAS AFTER I HAD TRANSFERRED THE XXXX IT LEFT ME WITH XXXX DOLLAR AND SOME CHANGE. WHICH IT ALLOWED THAT TRANSACTION TO GO THRU FOR THE WATER. HERE IS THE PROBLEM NOT ALL OF THEIR ONLINE AND APP SHOW THE CORRECT INFORMATION AND NEITHER THEIR SYSTEM AS WELL .THEIR SYSTEM GIVES THE BANK EMPLOYEE A BETTER VIEW OF THE ACCOUNT WHERE AS THE CONSUMERS VIEW A MUCH MORE DIFFERENT AND HARD TO UNDERSTAND VERSION ONLINE OR THRU THE MOBILE APP. SO BEFORE I WENT TO BED MY ACCOUNT WAS OKAY UNTIL ALL THE ITEMS POST AND THEN IT SAID THAT I WAS XXXX DOLLARS AND SOME CHANGE NEGATIVE BY THE END OF THEIR BUSINESS DAY AND IT WAS SHOWING ME THE XXXX DOLLARS AND SOME CHANGE BY THE END OF THE BUSINESS DAY MINUS THE XXXX AND SOME CHANGE PURCHASE OF WATER. I DID A CHAT VIA INTERNET AND SPOKE WITH XXXX AND SHE WASN'T NO HELP
Product: Credit reporting or other personal consumer reports

I request that EQUIFAX and XXXX remove or delete from my consumer report file XXXX XXXX XXXX XXXX  Acct # XXXX XXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. Equifax Consumer Agency did remove the information but less than a week later they placed the item back on my consumer file. 
XXXX XX/XX/year> Attorney General File was removed.XXXX XXXX XXXX Attorney General File was  placed back on file. 
Equifax explicitly disregards the Federal laws and my rights to remove this file from my consumer report. I sent letters stating that this account was not derived from a credit transaction nor did I authorize them to furnish any report to all three of the XXXX XXXX.
Product: Mortgage

MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my XXXX XXXX, XXXX request for escalation. They have refused, in writing, to communicate with me since XX/XX/XXXX, because I authorized them to talk to my law firm at that time. In XXXX XXXX, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my XXXX XXXX fax. They remained silent. 

Finally, on the afternoon of Friday, XXXX XXXX, XXXX, I faxed them the attached letter, which once again lays out the mistakes they made in determining my eligibility for HAMP. It repeats what I faxed on XXXX XXXX, and again XX/XX/XXXX. I am hoping this third try will work, and making this complaint to CFPB at the same time to improve my odds. 

I request that CFPB take note of their HAMP-application-processing mistakes because they are systemic, as near as I can tell, and will have affected thousands of borrowers. The servicer is the rock-bottom least likely to approve HAMPs of those tracked by US Treasury at XXXX I have tried to modify this loan since XX/XX/XXXX. XXXX XXXX XXXX got away with fraudulent handling by handing the loan off to RCS. RCS should have done a lot better than what I report in the attached letter. 

Sincerely, [ name withheld ]
Product: Credit card

I used my American Express Blue Cash card and bought a new membership for {$45.00} at XXXX XXXX # XXXX because they had a deal ( Amex Offer ) for new membership purchases. I was told yesterday by XXXX ( XXXX ext XXXX ) that they 're not honoring the deal because it was n't a new membership purchase. So I got written proof from XXXX that it was indeed a new membership. Amex, please honor your promotion ( {$45.00} ) credit