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

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " XXXX XXXX ( a ) ( XXXX ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS STILL PULLING PROMO INQUIRIES FROM TRANSUNION/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that these accounts be deleted. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by email or directly from dispute centers.
Product: Vehicle loan or lease

I bought a vehicle from JD rider and I didn't even have my car a day and it was leaking oil then called me a liar I had to go to a car mechanic to get a print out of what was wrong and they still refused to fix it. The. The motor blew up they offered me another vehicle that was in the shop getting fixed for 6 month only for the transmission to go out. I told them they needed to come pick it up and since I hadn't had my car for at least 6 months before that I told them to come get the car. It still had 6 months on the warranty and they refused to fix both lemons they gave me. I told them that I wasn't going to make a payment on. Car that's under warranty and they refused to fix. It was stuck on the side of the road. They told me I would have to pay for the transmission. To get fix. Horrible company had to pay for some of my repairs like the ac line that the tech cut when putting a new radiator in. I'm not responsible for then not holding up to the loan agreement.
Product: Debt collection

I'm writing to warn the Consumer Financial Protection Bureau about a collections agency that is mistreating me and not following the correct channels of communication when appearing on my credit report. Please look into my matter at the CFPB office. Without ever informing me, this account CAINE WEINER  XXXX amount {$130.00} suddenly appeared on my credit record. There was no phone call or written letter to me, so I can't let them know they've got the incorrect person.They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, CAINE WEINER XXXX I DO NOT DO BUSINESS WITH THIS COMPANY, AND I AM CONCERNED THAT THEY MAY HAVE ACQUIRED MY INFORMATION UNETHICALLY AND MAY BE BEHAVIOR UNETHICAL IN THEIR DEBT COLLECTION. Consumers are shielded from these unlawful conduct by a legal process. My credit score is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a fdcpa lawyer to seek financial relief.
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 Corp. ( 1997 ) : 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 ( 2021 ) : 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 XXXXXXXX
Product: Debt collection

The collections company sent a text message to a former spouses phone number that I have not been associated with in over 5 years. The text message stated Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter our office is handling. We have convenient payment or discount options online at www.paycpc.com using your agency ID : XXXX. You can also contact us at XXXX. Thank you. Text STOP to unsubscribe.
Product: Mortgage

I have submitted documents to Chase 3times to refinance my loan that has been with them over 13 years with no late payments. The first refinance they charged me fees and then denied me for having a Jr lien in an amount of less than 4k .. the second time I sent all my documents then signed the documents they then said the interest rate needed to be higher. They would keep running my credit score each time and then say the documents would be lost or delayed due to no fault of my own. And then they said they needed to run 4 time said I had reached the maximum review and needed to wait 12,  months. They have run down my score and ca n't refinance anywhere else and after all this I am still stuck with a 8.75..interest rate which I am sure they are not so anxious to change. The follow up and follow through, communication is horrible. I have sent communication to them along with complaints and have nothing from them.
Product: Credit reporting or other personal consumer reports

I've never had an account with this agency or any business with this agency, but they have been reporting my personal information I have not given authorization see 15 USC 6802 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # 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 consume reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. XXXX XXXX XXXX XXXX
Product: Debt collection

Someone must have charged my account without my knowledge back on XX/XX/2020 ( 4 yrs, 1 mos ) I have tried letting them know I never purchased whatever was ordered. They refuse to remove this from my credit report even after I told them of The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code.

15 U.S.C 1681.
Product: Checking or savings account

Called and escalated on XX/XX/XXXX at XXXX and XXXX PST as to why my debit card was closed and a new one was opened without my consent. My existing card ending in XXXX was not scheduled to expire until XX/XX/24. I escalated to management, they could not explain why a new card was issued. No changed to checking account and no changes to card limit ( POS/ATM withdrawal ). This was a fraudulent activity on behalf of chase. A huge inconvenience as they offered no immediate alternative to accessing my funds.
Product: Bank account or service

Chase Bank is charging unauthorized fees to my account, specifically contravening the account agreement. Chase Bank refuses to permit stop payment requests for 1 year. They will only accept stop payment requests that include automatic renewal for 6 years.
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - XXXX XXXX XXXX XXXX  I am writing in response to an alleged debt associated with account number XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached.

2. The PAYMENT HISTORY with the original creditor. 
3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice.

ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS. 
Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only. 
Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease and this account must be deleted. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I noticed my card was fraudulently being used and immediately reported the fraudulent charges. The Navy Federal Credit Union representative filed the claim ( which was approved and found to be fraudulent ) but she only reported one transaction although there were multiple transactions from the same merchant. Once I realized the representative made an error I contacted Navy Federal and advised them that the representative didnt include all of the fraud charges, so the bank had to create another claim that they denied. The initial claim was approved and found that I was a victim of fraud but the rep only added one item when there were about 9 items that I initially disputed. I appealed the decision and waited over a month and was denied again. Im the victim of fraud that is now being victimized by the bank
Product: Debt collection

I want the collection removed off my credit report I paid the {$620.00} in full XX/XX/2023 I called the company transworld system  and they have sent me a email saying that I paid off the debt and to contact XXXX to remove it off my reports ASAP as I am trying to purchase a house and this is hurting my report for something that shouldn't be there anymore
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
Product: Credit card

I purchased the order number, XXXX coast {$44.00} from walmart.com on-line using my walmart master card end number XXXX name on the card is XXXX XXXX XXXX, on XX/XX/XXXX, but since one on line site named XXXX was getting from my credit card $ XXXX, even i reporet dispute and froud to the credit card, so I closed the account on my request, but I asked the customer service representative to pay the balance, which is the amount of the oreder mentioned above, he told me to pay it in any walmart store, since he closed the account, on XX/XX/XXXX i payed {$44.00} by the order pay XXXX, by my XXXX XXXX XXXX XXXX XXXX vis card REF # XXXX, I received statment from the credit card to pay a balance for the same order, which i payed already. 
I called XXXX XXXX and XXXX XXXX from walmartonline.com, to update my payment to master card, they gave me on phone master card representative XXXX XXXX or XXXX?, who is asking me to take the responsibility to prove to him even he was contacted by walmart.com, and i told him i can mail to you the reset, or contact walmart to invistegate, but it was useless.there is no co-operation between the XXXX branches at the same company. 
i would appreciate if you can help me to solve this problem and not to have my credit history affected, Iattached is my documents.