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

Re : SECOND DISPUTE REQUEST AND DEMAND FOR IMMEDIATE DELETION I recently received your notice of completion concerning my dispute, wherein I indicated the presence of inaccurate information being reported on my credit profile. This communication serves as my SECOND WRITTEN REQUEST, emphasizing your obligation to immediately remove the inaccuracies and fraudulent accounts identified below. These accounts persist on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.The FCRA, under 15 U.S.C. 1681i, mandates you to conduct a thorough investigation when I dispute the accuracy of the information you report. Regrettably, your response to my first dispute was unsatisfactory and incomplete. You merely asserted that the disputed items were " reported correctly, '' without providing any documentation or outlining the process of investigation, thereby failing to meet the standards set forth by 1681 ( a ) ( 4 ) .Under Engelhardt v. Gravens , 281 S.W. 715,719, given that I have not supplied proof under the doctrine of estoppel by silence, it is presumed that no proof of the alleged debt, nor the existence of any debt, indeed exists. Thus, I am now requesting the following : 1. The documents you used to verify the accuracy of these accounts.

2. The name of the individual in your organization who verified these accounts, their business address, and telephone number. 

According to XXXX XXXX XXXX, the act of " verification '' implies that you must possess authentic, firsthand documents that not only confirm these accounts belong to me but also verify that the reported information is accurate. If required, you should be prepared to defend the authenticity of these documents under oath, under the penalty of perjury, in a court of law. Failure to provide the requested documentation will be interpreted as an inability to verify these accounts. In such a case, under Section 611 ( 5 ) ( A ) of the FCRA, you are legally obliged to promptly DELETE all information that can not be verified. If these inaccuracies are not rectified and the disputed items deleted promptly from my credit report, I will interpret this as a negligent noncompliance of federal laws, which carries civil liability under Section 617 of the FCRA. As a consumer prepared to enforce my rights legally, I will consider taking necessary legal action to uphold my rights under the FCRA. The disputed accounts are as listed on my credit profile with your agency Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Thank you for your immediate attention to this matter. I anticipate your prompt response and a resolution to these issues.
Product: Credit reporting or other personal consumer reports

NCC INC, inquiry on XX/XX/year> ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit 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 may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX Through XXXX my XXXX checking account was hacked into twice and my account was frozen. As a XXXX, I was already having a hard time making credit card payments. All email, and phone correspondents with Capital One indicated that if I made my minimum balance by XX/XX/XXXX, the account would remain open and in good standing. I made those payments, in fact paid it off almost completely. After making the payment Capital One informed me that my account was restricted and going to be closed. I have been defrauded into making a large payment that I couldn't really afford with promises of my account remaining in good standing. I have spent the past 3 days trying to contact them, over 4 hours on the phone just to be told by an over worked, super rude, customer service agent that their was nothing he could do. This company should be held accountable for it's shady business practices, and for taking advantage of the poor. Along with more emails than attached, I have phone calls recorded. I made payments of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX under the assumption that my account would remain in good standing. Capital One customer service, is misleading people with this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by XXXX XXXX that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted XXXX XXXX we were told to contact XXXX that this was on their end and nothing XXXX would or could do. Contacted XXXX paid a fee ( out of our pocket for XXXX mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX due to prior phone call with the stop payment & reversal as they blocked XXXX from taking any money from our account. When the request came through from XXXX they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and XXXX was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.
Product: Debt collection

On XXXX XXXX XXXX and XX/XX/XXXX, I wrote to tell PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX XXXX XXXX. to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

PORTFOLIO RECOV ASSOC Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

EQUIFAX ALLOWED FOR UNAUTHORIZED/FRAUDULENT CREDIT INQUIRIES TO BE FURNISHED ON MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT TO THEM DEMANDING THE REMOVAL OF THESE FRADULENT INQUIRIES. 

UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIRST NOTICE!!! As a federally Protected consumer/natural person I DEMAND these inquiries be removed! The information listed, which appears on my credit fi le, does not relate toa any transaction ( s ) that I have made. You reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ), 15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person fi le to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the complicit company in this fraud under 15 u.s. code 1692k for damages.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

REPRISE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello MOHELA recently changed its name to XXXX  XXXX XXXX and reported my loans again to XXXX so now I owe double the amount that I currently owe. As a result, my credit score went down by XXXX points. 

I tried calling them, but it'd take so long for anyone to even answer. I would like to get this fixed as soon as possible by them.

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 4 business days after the date of receipt.
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.

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Credit reporting agencies transunion, and experian use the same practice .... When I dispute a negative item that has been on my report 7 plus years, they give the account a new date opened date, I don't think that is fair at all, when they give the account a new date account opened date, that allows the negative account to remain on your report... I thought once an account has been on your report 7 plus years it's suppose to fall off your report, I have positive accounts that have reached the 7 year mark and they have fallen off my report, I truly feel the reporting agencies are in cahoots with the banks, finance companies, ect... .they make it hard intentionally for you to clean up your report, because if everybody had good credit the banks wouldn't make any money, and they wouldn't be able to charge out of this world interest rates .... I think the credit reporting agencies have too much power over your finances and life, I would love to see the credit reporting agencies STRIPPED of some of the power they have over people lives .... And I would love to see the practice of giving disputed items new dates the account was opened, totally unfair practice ....
Product: Checking or savings account

On Friday XX/XX/XXXX @ approximately XXXX XXXX I called into Chase in spoke with a XXXX. I informed XXXX that i believe my daughter was about commit fraud on the bank account we both shared. I explained to her that my daughter was a run away and that i seen something in her inbox on social media something about using her debit card fraudulently and could she close the account and debit card out. XXXX   informed me that I could not close the account or debit card out and that it was nothing she could do because the fraud has not yet been committed. I went on and asked what the heck she meant she couldn't close the account or the cards. Im explaining to you that my daughter is a run away and is fraud is about to be committed fraud on this bank account and I'm trying to prevent it. I argued back and forth with XXXX about the closing of the account because i would be the responsible party, shall any fraud happens, XXXX finally agrees to close the account. 5 Days later i log onto my account and notice that and negative balance for XXXX is placed on the high school checking. I do some research and find out that, the card or the account was never closed. On or around XX/XX/XXXX a deposit was made in the form of a check wrote out to XXXX XXXX in the amount of {$1400.00}. I immediately contacted the bank and explain to them about the conversation I had with XXXX and that the account was been closed. At that point they informed there was already a dispute in process not to worry. About a week or so later I recieve a letter in the mail stating that i owed XXXX plus applicable fees. I should not be responsible for her fraud. I did my due diligence by contacting chase trying to prevent the fraud. Furthermore I was lied to and was told that account were closed. I been with Chase for over 10 years and I have never had an issue like this. I have the recorded call to chase on the night I was told that the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co sign for my daughter at Honda dealership and notice 6 to 7 inquiries on my credit report from different lenders.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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- ( 0 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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, 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 on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FCRA XXXX XXXX ( 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 XXXX XXXX after the date of receipt.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurancy of the information concerningthe individual about whom the report relates. these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurat A person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which the consumer reporting agency is required to complete actions required by that se And according to 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) A person shall not furnish any informationrelating to a comsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall-After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has a phony address on my account. It has reduced my credit score. I have been trying to correct this issue for several years and it is still on my records. I have been living at my address for almost 30 years, XXXX. The other address does not even exists. So the matter should have been corrected by now. There should be no excuse.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an XXXX XXXX  XXXX XXXX in the amount of XXXX from XXXX using my XXXX XXXX XXXX XXXX. When the device turned out to be defective, I attempted to contact the manufacturer on XX/XX/XXXX for warranty service, only to discover that XXXX was unwilling to honor the lifetime warranty for the device. XXXX has informed me today that it is XXXX policy that a manufacturer's refusal to honor the terms of its warranty cannot be a legitimate grounds for disputing a purchase, even in a circumstance such as mine, where there is no option for returning an item via mail that was purchased online.
Product: Debt collection

i spoke with this company the debt is actually my mothers she has the same exact name as me. she also filed bankruptcy within the past year. this company refuses to remove this debt from my credit report but this is my mothers debt. this is damaging my credit report furthermore i need paid for the damages or i could look at legal counsel the damages caused are as follows 1. Defamation 2. Negligent Enablement of Identity Fraud 3.  Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

There are hard inquiries attached to my file that are not permissible or attached to lines of active or past accounts.
Product: Credit reporting

Experian has fail to provide me with on time dispute results. I have not receive nothing since XXXX/XXXX/2016.