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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Open late Date : XX/XX/XXXX ( XXXX ) -XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit card or prepaid card

I have a CareCredit account with Synchrony Bank and have been using it for some time now. Without my knowledge, Synchrony opened a separate account that was a Care Credit Rewards Mastercard in my name. This account existed alongside and separate from my primary Care Credit account. I only discovered it by logging into the mySynchrony portal and seeing two accounts listed where I expected to see one.

I contacted Synchrony bank and they said that I was sent a letter that required me to opt out to not have the Mastercard account opened. I never received this letter. They also said this was an " upgrade '' to my existing account, which does not seem to be accurate since my balance on my CareCredit account did not show up under the Mastercard account. I instructed Synchrony bank to close the Mastercard account and leave my Care Credit account open, and they agreed to comply with my request. However I do not know the damage this may have done to my credit from having an additional line of credit opened in my name. 

This is a deceptive practice that is borderline identity theft. It is unlawful for any entity to open a line of credit in my name without my authorization. If this is an " upgrade '' of the card, then at the very least I should have been contacted directly for authorization prior to the changes in terms of service and not " opted in '' automatically without my approval. Altering my account without due notice and agreement is also unethical and potentially unlawful.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. 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 ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Equifax?

When was the dispute sent to the original information furnisher?

When did Equifax receive a response from the original information furnisher?

What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Equifax is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the judge ruled that Equifax violated the Fair Credit Reporting Act by failing to compare evidence. Equifax has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My name is XXXX XXXX XXXX. 

Few months ago when I was unemployed, I registered for EDD unemployment and got paid through bank of America prepaid card from EDD. 

But as of today I've got a job and I am not receiving any benefits anymore. 

I've tried to close my account with bank of America but it seems no one is helping. I've already contacted EDD to close my account and they did. 

I want bank of America to close my card account and prevent further usage as it seems someone is trying to use my information to certify for another EDD benefits. 

EDD reached out to me few weeks ago and asked me if I've applied for another benefits and I said no, and they said I should contact bank of America to block and freeze my card to make sure no one will use it to collect any further benefits on my name. 

So I am reaching out to bank of America using this complaint to shut down and close my EDD debit card account because I've now gotten a job and I do not intend to use it again. So I want to be closed with immediate effect. 

All I need is for bank of America to close my card account and not to open it anymore as I've been a victim of identity theft recently. 

Also Bank of America should tell anyone who contact them pretending to me to go through a thorough verification such as asking to the person to mail a letter to bank of America with a scanned ID card or a selfie holding ID with today 's date on it. 

I am making this complaint because I don't want any other person to use my information to receive benefits. 

Thank you The card number I'm complaining about is XXXX
Product: Credit reporting or other personal consumer reports

Dispute Explanation Regarding Account # XXXX I am writing to formally dispute the account listed above, as it is not mine and has been erroneously reported on my credit file. Additionally, this account has been reported beyond the legally permissible time frame outlined under federal credit reporting laws. 
Key Points : Account Does Not Belong to Me : I have no knowledge of, nor any association with, this auto loan account. I request immediate verification of ownership, including the original contract and documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I have the right to request all information used to verify the accuracy of the reported account. 

The account from XX/XX/year>. According to the FCRA, 605 ( a ) ( 4 ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than seven years from the date of first delinquency ( DOFD ). Given that the XXXX was before XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 


This account has been repeatedly reported without proper validation. According to FCRA 611 ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly.

The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report and noticed a balance that was listed as joint but did not belong to me at all. Account # XXXX I also never gave this company permission ( written or verbal ) to share any of my non public information to any other parties. These are violations of the Consumer law. It is my understanding that Consumer Reporting agencies have the responsibility to report consumer information to the best of their ability with maximum accuracy.I am prepared to pursue this matter as far as need be but would like to solve this matter simply by removing the balance from consumer report and reporting the balance to the correct party. Thank you
Product: Debt collection

When my lease ended with XXXX XXXX in XXXX of XXXX they sent me a notice saying I owed {$310.00} and had 15 days from receiving the notice to dispute it which i did. They claimed i only returned one house key and charged me {$25.00}. Fortunately i took a picture of BOTH keys initialed by them that it was received by them. I made sure to send them that proof with my dispute. They also wanted to charge me {$120.00} to replace the carpet which they said was dirty. I dispute that as well since they promised me via email that when i renewed my lease in XXXX that i would get a free carpet cleaning. Had they done as promised i would have a clean carpet and they would not be charging me for that. They also want to charge me {$100.00} cleaning fee for " leaving items '' behind. This i dispute as well. They never did a walk through with me even though i requested it when i moved out. They said it was not necessary. So I dispute all this and I hear nothing back and now suddenly XXXX  months later its with a collection agency. I don't know how that is allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX20 - I was able to temp unfreeze 2- of the 3 main credit agencies. However, Equifax ( EF ) decided to do away with PIN 's, which I had, and use a password instead ... but failed to notify me. So now that I need to contact all three, EF online failed to send me an email after 4 requests. 
So I tried another path ; I inputted all my info and at the bottom of the screen, but the continue link was not active ... take 2 and more lost time ... 
FORTUNATELY, the lender was able to use only the two agencies. 
These agencies collect personal info on me, which is half the time inaccurate, I forced to validate their work and then I have to pay for my score ... really! 
Someone needs to have a serious " talk '' with to straighten out their shortcomings, as I/we are their customers Thanks. XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of XXXX  in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name-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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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 XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 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 ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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- ( XXXX ) 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 ( i 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: Checking or savings account

Navy federal have recording of me askung why they ate holding funds and nit payung out to companies causing my account to be in negative
Product: Vehicle loan or lease

XX/XX/2024, The incident began with a negative encounter involving XXXX of the staff members who, in addition to refusing to answer my questions, engaged in threatening behavior, intimidation, and offensive language. Frustrated by the situation, I declared my refusal to allow the repossession and informed the individual that I would be calling the police, especially since they failed to produce a repossession court order upon my request. 

The staff member 's actions escalated to the point of causing a breach of the peace, a clear violation of 10 USC 916, and involved provocative gestures, contravening 10 USC 917. Furthermore, the company committed offenses under 10 USC 921 for larceny and wrongful appropriation. 

As I contacted the police during the alarming confrontation with XXXX XXXX, the responding officers arrived within XXXX minutes. The police official, while acknowledging his limited knowledge of repossession laws, confirmed that the company failed to notify them, violating the proper procedures. Additionally, he recognized the company 's trespassing on my property, even going so far as to use a device to open a closed gate, violating Ohio 's trespassing laws. Trespassing, as defined by legal precedent ( Triscony v. Brandenstein, 1885 ), occurs with wrongful entry onto land in the possession of another. 

All these infractions are subject to punishment as determined by a court-martial. The police officers involved in addressing the situation had badge numbers XXXX. It is essential to emphasize that repossession agents must adhere to proper procedures and documentation when seizing a vehicle, a standard that this company failed to meet in this particular incident.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.0142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business day, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be locked and deleted company information Transunion. Please delete the following 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
Product: Credit reporting or other personal consumer reports

In XXXX I receive a email settlement with four options to choose from. I choice six payment over six months for a total amount of XXXX With payments stater on or before XX/XX/XXXX. I made XXXX starting in XXXX, with the last payment in XXXX. Bank of America never reported any of my payments to the credit bureaus, but they did continue to report my account as a charge off for the full amount. Once final payment was received they still havent contacted the bureaus informing them that the account was paid in full with settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation tranunion XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with transunion as well as the other bureaus since then there had been two disputes closed out without any information sent to me from Transunion regarding transunion investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( was during the time of covid SCAM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
Product: Debt collection

The Collection Agency, LVNV Funding has illegally reported a loan debt from a company known as XXXX XXXX. They are claiming that I owe them money on a loan that I NEVER took out. Last year, I filed a police report on this matter, it was later resolved and now, this company is attempting to to EXTORT reporting this debt to the Credit Reporting Bureaus as an outstanding debt that is owed to their company. I have not applied for or signed any documentation with this company and I most DEFINITELY OWE THIS collection Agency, NOTHING. 

Once the debt has been removed from the credit bureaus, they are reporting it again, under a ( sub ) name. 

Example : LVNV FUNDING ( COLLECTION AGENCY ) Below are the sub names that are being used ILLEGALLY to report to the bureaus extort consumers out of money that is not owed to them : XXXX XXXX XXXX XXXX ( This was the first sub company name under LVNV FUNDING that used a few months ago in their extortion attempt ). 

*RESURGENT CAPITAL SERVICE LP ( This is the current name that they are illegally using to fraudulently report information to the bureaus ). 

I sent them a certified letter last week, my next step is to file a Police Report against this company and the owner for extortion. I will also be filing a complaint the the Attorney General and the Better Business Bureau. Lastly, I have spoken with an attorney and I will sue them if it becomes necessary.
Product: Debt collection

This collection company sent me a fake XXXX XXXX notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for XXXX XXXX, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.