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

XXXX XXXX Reported : XX/XX/2019 {$230.00} AMERICOLLECT INC Reported : XX/XX/2019 {$130.00} There  are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. bounce ai is the account i marked as inaccurate
Product: Credit card or prepaid card

XXXX charged my credit card {$74.00} for XXXX XXXX XXXX on XX/XX/2019 for a monthly subscription I did not purchase or authorize. I do not have a personal computer nor did I receive any kind of receipt or information sent to me from XXXX on XX/XX/XXXX for a purchase. I sent a dispute to Capital One in XXXX when I saw the charge to my Capital One accont from my XXXX. Capital One initially credited my account in XXXX. I received a letter from Capital One dated XX/XX/2019 stating they were siding with XXXX since XXXX responded to my dispute. A copy of XXXX response was included from Capital One which is a letter stating I purchased XXXX  XXXX XXXX  on XX/XX/2019 and I made no attempts to cancel the subscription. Capital One reapplied XXXX to my Capital One account in XX/XX/2019 for a subscription I did not purchase. 
I contacted Capital One dispute center on XX/XX/2019 after I noticed the charge from XXXX a second time. I was told that since XXXX responded than I must have purchased the product because they had my name and information. I explained approximately three years ago or longer, I did purchase products from XXXX. That does not give them the right to add a subscription whenever they feel like it. They did not provide proof that I did order, proof they sent the product to me, proof it was downloaded, or proof the product was used because I didnt. Capital Ones dispute supervisor stated since I had done business with XXXX In the past and admitted to it, I am at fault and it is not fraud and I had 30 days to respond to their XX/XX/XXXX letter and since I didnt the dispute is now permanently closed and it can not be reopened and I have to pay the amount. I explained I was transferred to XXXX, Alaska and my mail is delayed and since the dispute was initially credited to my account, I didnt notice they added the charges back to my account in XX/XX/2019. Plus, why would I make attempts to cancel a subscription I didnt order. How do you cancel something you didnt order when there is no email or receipt. 
I asked Capital One dispute supervisor to close my Capital One credit card account so XXXX can no longer place charges on it because I am not paying XXXX for a product I did not purchase, did not use, and I do not have. She stated if I close my Capital One account that I will not be able to dispute any charges of any kind currently on my account. Charges applied by XXXX is not fraud because I admit to business in the past. She wanted to read me my rights if I cancel my account with Capital One which included I will not be able to reactivate my account or view any of my charges or dispute any of them. They will all be closed and final. She kept repeating are you sure you want to close Capital One account because it will be permanent and final. I stated even if my Capital One account is closed I should be able to dispute something I didnt authorize. She stated no, its final. I closed my Capital One accont not because of the measly XXXX but because this feels unethical and fraudulent on XXXX XXXX part along with XXXX. This is very poor business conduct at the very least.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 ( i ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification on my phone from SOFI Banking that my 2 ( two ) ATM withdrawals were processed and completed at a XXXX XXXX XXXX in XXXXXXXX XXXX. I was at home one city over and did not authorize these withdrawals. I immediately reported to SOFI that these transactions were in fact not authorized by me using their " Report an issue '' link. I received an email that same evening from SOFI stating they received the dispute and that it would take up to 10 business days for an investigation. While awaiting, on XX/XX/XXXX, I reported the matter to XXXX Police Department using their online reporting link and was furnished a police report the next day XX/XX/XXXX. On XXXX XXXX sent me an email regarding my dispute to the XXXX transactions that they were denied. Between then and now I've spoken to SOFI 's customer service 3 separate times in attempt to appeal the decision. SOFI has stated in an email regarding the appeal that, " Per your request, attached is the documentation we used in completing our investigation on the above referenced dispute. We trust that this information resolves the questions you had related to this matter. 

Additionally, we received your request to appeal the decision on this claim. 
Please provide new information that was not previously provided on the claim. Without new information, this claim will remain closed. 

Note : SoFi is unable to advise what is needed in order to appeal your claim '' I am unable to furnish any new information because in my initial dispute I gave all of the details about the matter that I have.

I've received a copy of their investigations which states : The disputed transaction ( s ) are Card Present transactions and the member claims to be in possession of their debit card No denials for the wrong PIN indicating whoever was using the debit card knew the PIN No denials for Non Sufficient Funds ( NSF ) indicating whoever was using the debit card had knowledge of how much was available in the checking account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I have contacted a company called LVNV Funding / Resurgent now several times via mail to get a better explanation of a debt they are reporting on my credit report in the amount of {$230.00}. Every time I ask them to show me how they calculated what they claim I owe them, they just send me the same piece of paper from XXXX, which is a bill from XXXX. The first letter I sent to them was on XX/XX/XXXX, the second letter requesting some sort of breakdown or info for what the debt is for was sent on XX/XX/XXXX and they responded with the same letter, which includes a bill from XXXX. This in no way validates any sort of debt. Furthermore, I wrote them once again on XX/XX/XXXX to get more info on this debt they are reporting and they clearly violated the FDCPA by contacting me via mail when I made it clear I only wanted to be contacted by email.
Product: Debt collection

In my last communication with EXPERIAN they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Product: Checking or savings account

USAA manages my checking and investment accounts. 6 days XXXX XX/XX/2019 I requested a transfer of XXXX dollars from a mutual fund with USAA to my checking account with USAA. USAA at present has no record of the funds, can not find the funds and is stating it may be several weeks before the funds can be found. 
I feel this is unacceptable and feel there may have been a theft of funds by the USAA employees.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed a charged off account from XXXX and XXXX with Experian, XXXX and XXXX XXXX due to incorrect " date of last payment '' ( XX/XX/XXXX ), charge off account balance is incorrect. They continue to report balance increases ( {$50.00} ) on a charged off / closed account. I sent written letters to the bureau to re-investigate and provide method of verification and I've received nothing but a simple " verified '' statement. I am entitled to an accurate and complete credit report. 
XXXX is reporting an incomplete and inaccurate account. I submitted an investigation dispute and received a simple " verified '' response. I requested a re-investigation of such with method of verification and, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section611, Subsection A-D, I demanded that they provide actual proof the information was verified, not a computer generated confirmation. 

1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information. 

I also wanted to know if the furnisher provided you with my SSN, address or DOB. 
All I received was a simple update of the following : Completed investigation of FCRA dispute - consumer disagrees.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 
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 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

Upon reviewing my credit report, I noticed multiple unfamiliar inquiries from companies Ive never interacted with or authorized to access my credit information. I never applied for anything related to these inquiries, nor did I give consent for them to be made. Discovering this has been both stressful and unsettling, as I take my financial privacy seriously.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I was monitoring my credit report and seen that there are hard inquiries on my credit report that dont have permissible purpose on them. According to the fair credit act. Anything furnished on my credit report should reflect Permissible Purpose according to 15 USC 1681 B.

Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Times 5 listed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items need to be deleted off my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights... 

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Debt collection

I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XX/XX/XXXX to release my medical records to paramount recovery.
Product: Debt collection

This is a formal complaint of harassment against Security Credit Services LLC. They have repeatedly called my personal phone and are now calling my place of employment. I have requested a cease and desist multiple times. They can not provide any proof or validation of debt. They can not provide an accurate payment history. I have explained several times the debt is not mine. 

Security Credit Services LLC ( also known as XXXX XXXX ) XXXX XXXX XXXX XXXX, MS XXXX
Product: Debt collection

I checked my XXXX status and it stated that I have a balance of {$270.00} from XXXX, in which I do not have an account with, reported by XXXX and XXXX to DIVERSIFIED CONSULTANTS INC . 

I contacted XXXX customer service, which had a horrible customer service by the way, and only ended up asking for my social security and hung up on after XXXX transfers. 

I am now more concerned of the customer service representatives obtaining my social security number and on top of that a false status reported by a big company XXXX and XXXX from XXXX to Diversified Consultants Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ;