23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear National Credit Systems INC I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name. 
XXXX. A copy of any contract or agreement showing that I am legally obligated to pay this debt. 
XXXX. Proof that you are legally entitled to collect this debt. 
XXXX. Documentation of the complete payment history, including how you calculated what you say I owe. 
XXXX. The name and address of the original creditor, along with any account number associated with this debt. 

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA. 

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly. 

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names are being reported on my credit report that are not me creating verification issues. The incorrect names that are to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a CFPB complaints against Experian concerning the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX. In this complaint I made Experian aware of several FCRA violations and requested that the XXXX accounts be DELETED due to these violations. I also requested that Experian provide the legally required proof they used to verify these XXXX accounts. Experian had 15 days to produce said proof and they failed to do so. Therefore Experian is in violation of the FCRA Section 611 ( a ) ( 6 ) ( B ( iii ) and section 611 ( A ) ( 7 ). Due to these FCRA violations the two accounts must be DELETED from Experian consumer report immediately. 

In Experians response dated XXXX, to my CFPB complaint Experian blatantly admitted that they violated the FCRA by engaging in PARROTING. PARROTING is the practice of blindly adopting the response of a data furnisher without conducting any independent investigation. Experian only conducted a XXXX XXXX investigation. Both of these actions by Experian are FCRA violations Experian was required to conduct their own independent investigations of my consumer disputes. Due to these FCRA violations the two accounts must be DELETED from Experian consumer report immediately. 

Experian is also in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. 

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Pursuant 15 U.S.C. 1681e ( b ) requires that EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. 
Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian has damaged my character, reputation, and credit worthiness. 
Experian is also in violation of a CFPB Supervisory Order. 
Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. 
Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information.

Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.

Due to the above listed FCRA violations I demand that the two accounts be DELETED from Experian consumer report immediately.
Product: Checking or savings account

I filed an Identity Theft Declaration claim with Chase Bank dated XX/XX/2020 and followed their directives. Chase opened a fraudulent checking account for deposit of a {$44000.00} fraudulent small business loan they approved. Chase used my personal data from accounts I had with them in XXXX. I filed a report with my local Sheriff 's Department. Chase has been unresponsive to my submittal.

I contacted IdentityTheft.gov and submitted a report. Per IdentityTheft directive, I faxed Chase an other letter on XX/XX/XXXX for a request for Records Pursuant to Section 609 ( c ) of the Fair Credit Reporting Act and dropped a hard copy at the local Chase XXXX XXXX branch. Chase has been unresponsive to my request.
Product: Debt collection

As of today, XX/XX/XXXX, I received a collections account on my XXXX  and XXXX. I have not received in the mail notice so that I could verify the debt and determine whether or not the debt belongs to me. I would like this debt removed from my credit, sent notification to determine whether or not it belongs to me, and go through the proper channels. Because of this account, my credit has dropped XXXX points on XXXX and XXXX points on XXXX. I have excellent credit and this is taking my score significantly down. In addition, this falls under the " no surprise act '' and should be reviewed seriously. 

I recently filed a complaint a few months ago from XXXX XXXX XXXX, because they did not verify the debt belonged to me. It was the same amount and it was medical debt. That complaint is now closed because the company removed the debt because of lack of information to verify the debt ( that was complaint number XXXX ). I have reason to believe this is the same debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them.

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payments on Secured Credit Card Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and XXXX for my secured credit card account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in XXXX History : ** # # # # **TransUnion : ** - **Late Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and XXXX update my credit report to reflect accurate payment history. 
XXXX. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I made a purchase online with a company called XXXX. I had requested them to process a reseller 's certificate license through the state of California and send me the license. A month went by and no license was forthcoming. I emailed the company 3 times with no response. There is no number listed on their website of which to call to reach them so the only way I can communicate is via email. When I received NO response, when I received NO license, I looked the business up on the California Secretary of State website and discovered this company was " not in good standing '', their incorporation status had been " revoked ''. Since I had no response from the company AND the company was not in good standing with the state I filed a chargeback against the company with my bank for fraud. I had no other option as the above information I had gleaned from my search led me to this conclusion. 

BMO bank went through their investigation process, NEVER at any point in time asked for any paperwork from me justifying my claim. BMO Bank just denied the claim and closed it. 

I then reached out to this company, XXXX, in XXXX and XXXX and AGAIN and their response was that they had sent me the license in XXXX so I asked them to resend it. The owner, XXXX, said that since I " was rude '' I had to pay another {$100.00} to obtain my license which is now extortion. I asked for proof of the emails he claimed to have sent in my attempts to reach them in XXXX and he refused this, too. 

In XX/XX/XXXX I filed a complaint with the California Attorney General 's Office, too. 

It was now XX/XX/XXXX and I mailed a letter to the bank to their debit card fraud department - NO RESPONSE. 

I then mailed the bank a CERTIFIED letter XX/XX/XXXX - NO RESPONSE!!!! 

I finally had enough and contacted my bank 's manageXXXX, XXXX, in XXXX, NV and she tried to resubmit the claim only to be told by the bank 's debit card department that I was now " out of time ''!!!! 

This is just absurd!! I have made numerous attempts to have this properly investigated only for the bank to drop the ball at every single point, fail to do the proper due diligence and have left me, the customer, exposed to fraud and failed in their fiduciary duty to their customer. 

I wanted my money refunded along with compensation for my time that I have had to engage in to be made whole against a business that engages in fraud. 

Lastly- I obtained my reseller 's certificate in XX/XX/XXXX on my own with the Taxation Department. I also was informed in that same phone call that the license XXXX attempted to do was never completed so this business LIED to me. He never did the work that I paid him to do AND obtaining a reseller 's certificate IS FREE OF CHARGE!! I WAS CHARGED {$110.00} FOR A PROCESS THAT IS FREE!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Experian have failed to fulfill its legal obligations under the Fair Credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the requested disputed accounts, as Experian inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws were violated due to inaccurate and unauthorized activities related to my credit report. Specifically : XXXX XXXX XXXX : My credit report is showing incorrect personal information, such as addresses that do not belong to me. These errors violate 15 U.S. Code 1681c ( a ) ( 1 ), which requires accurate reporting of personal information. 
Incorrect Reporting of Accounts and Payments : Several accounts, including XXXX, XXXX XXXX CA, and XXXX, have been inaccurately marked as late or delinquent without proper validation or evidence. This violates 15 U.S. Code 1681s-2 ( a ), which mandates accuracy in information reported to credit bureaus. 
Failure to Validate Debts : Accounts such as XXXX XXXX XXXX XXXX, and others have been reported without providing the required debt validation as outlined in 15 U.S. Code 1692g. I requested documentation of these debts, including proof of their validity, but none was provided. 
Unauthorized Hard Inquiries : Several hard inquiries, including those from XXXX, XXXX XXXX, and XXXX, were made on my credit report without my consent. These unauthorized inquiries violate 15 U.S. Code 1681b ( a ) ( 2 ), which requires written consent or permissible purpose for accessing a credit report.

Deceptive and Harassing Practices : Debt collectors and credit reporting agencies have engaged in practices such as reporting debts without my consent or proof and sharing my personal information with third parties. These actions violate both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S. Code 1692b and 1692c ( b ).

Failure to Inform About Opt-Out Rights : I was not informed of my right to opt out of sharing my personal information, violating 15 U.S. Code 1681a ( d ) ( 2 ) ( A ). 
These violations have caused me unnecessary stress, potential financial harm, and damage to my creditworthiness. I am demanding immediate corrective action, including the removal of unauthorized inquiries and inaccurate accounts, proper validation or deletion of debts, and compensation for damages caused by willful noncompliance under 15 U.S. Code 1681n.
Product: Debt collection

I am currently in the process of disputing a Credit Card and amount on my credit report. I continue receiving documentation regarding wage garnishment and my employer is receiving the documentation as well from Brock & Scott PLLC. I receive calls from my employer when these documents are received. Within the week of receiving the documents I receive documentation from the XXXX office stating the garnishment is dismissed. The following month I receive an notification of garnishment and a dismissal of garnishment a short period later. This is harassment and may cause my to lose employment. I feel this is harassment and will contact Brock & Scott PLLC in writing. Are there steps I can take to end this harassment? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting

On XXXX XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX and XXXX ( XXXX ) even were not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. 
On XX/XX/XXXX I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX and XX/XX/XXXX ( if I am not wrong ), in an attempt to dispute hard inquiries currently showing on my credit file. 
I spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XXXX XXXX Date XX/XX/XXXX XXXX Date- XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. I want all fraudulent and unauthorized information to be deleted from my credit report. 

I also sent them a letter that I have received fro XXXX directly ( not XXXX ) telling that these inquiries were not authorized but should be removed but Transunion did n't remove them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request removal of a specific account from my credit report with EXPERIAN due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed account details : Account number : XXXX Creditor name : XXXX XXXX  XXXX Incorrect information identified on reports from all three credit bureaus. 
Legal basis for removal of information : Right to accurate information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be verified manually with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a complete reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : Under the FCRA, if information can not be verified, it must be removed from the report.

Liability of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditor 's failure to validate this information warrants its deletion.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to comply with required accuracy procedures.

Permitted Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that the access to my report was legitimate. If it was not, I request deletion of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : Cortez v. Trans Union, LLC ( 617 F.3d 688 ) emphasizes the credit bureaus ' responsibility to properly investigate consumer disputes. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.