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

Subject : Demand for Reinvestigation and Verification Methods Under FCRA Notice of Intent to Sue To Whom It May Concern, Account - XXXX ( Fraudulent ) Report Number XXXX Date Generated XX/XX/year> I am writing to formally dispute the fraudulent account reported on my credit file, which has been inaccurately investigated and verified. This letter serves as a demand for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a proper and reasonable reinvestigation of disputed information.

Upon my previous dispute, you claimed that this account was verified as accurate. However, under 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation into disputed accounts, and credit reporting agencies must ensure the accuracy of reported information. I hereby request that you provide the following within the legally mandated timeframe : 1. A detailed explanation of the methods used to verify this account and the parties contacted during the verification process.

2. All records and documents used to verify the legitimacy of this account.

3. Proof of my consent or authorization for the alleged account, including any signed agreements or identifying details.

4. The name, address, and contact details of the entity that reported this fraudulent account.

Failure to properly investigate and correct this fraudulent reporting constitutes a violation of my rights under the FCRA. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to pursue legal action for damages resulting from willful or negligent noncompliance, including actual damages, statutory damages, punitive damages, and attorney fees.

If I do not receive a satisfactory response within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will have no choice but to escalate this matter through legal channels, including filing a lawsuit and reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
This letter serves as an official notice of intent to sue should you fail to comply with your legal obligations. I expect a prompt response, including the requested verification details and a resolution to this matter, to avoid further legal actions. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations reported to the federal trade commission XXXX  XXXX master card XXXX  XXXX XXXX XXXX  card XXXX XXXX  XXXX credit card XXXX XXXX  XXXX XXXX XXXX  fcu all inquires on the above XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone with XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly perplexed at the moment over the inaccurate information on my credit report. The records are inaccurate, enigmatic, and hazy. If something isn't completely accurate in my report, it should be removed. Please do your homework, identify the rightful owner of these records, and quickly clean this up. I'm very sure you're expected to conduct an inspection swiftly, and a new credit report needs to be sent out with the correct modifications. It shouldn't take the examiner more than 15 days to confirm this letter. As required by law, odd, inaccurate data should be deleted, and presuming you are unable to provide me with a copy of the obvious proof ( original application ) in the case, Also my information was compromised within the XXXX data breach that happened around XXXX that resulted to accounts and information not bing 100 % accurate on my report. With this being said and my demend going completely ignored I can seek litigation in court of law and demend {$1000.00} per violation on my credit report per FCRA and I recognize and confirm a lot of errors on my report. Lets get this took care of promptly for I have a house to close on and if I don't make deadline on my goodness... I sent all the proper documents so I don't want to hear again you can't verify me get the job done or we can step the dispute process up another notch.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in those account to be removed.

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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Delete the late payments from my consumer reports
Product: Debt collection

The company has knowingly place false information on my credit report. That was due to a returned phone to XXXX. I spoke with a representative from Receivables Performance who told me the account was recalled by XXXX and he did not know why I had been contacted. they were told not to. 

All my claims are documented on an Audio Recording where I made the person, I talked with I was also recording the phone calls. I can and will produce the transcribed phone call with the original recording when necessary for legal action. 

Receivables Performance 's malicious actions have caused problems with my credit, I have been denied credit when I applied, the false information on my Credit Reported was stated as the cause. 

SEE ATTACHED TRANSCRIBED FILE - The Original Audio can be provided upon request
Product: Debt collection

I received 2 phone calls from a company called XXXX from a phone number XXXX and told me to call back an XXXX. One at XXXX on XX/XX/2020 by a person named XXXX left me a voicemail saying she has documents that has been issued to the office that if I don't respond by the end of the day they will be come to my job and/or home to issue the document. 

At XXXX same day XX/XX/2020 a guy calls me at work and initially started talking to me like he knew me asking if I was at work or home today. I told him I am at home but my. phone calls are forwarded to me. He then proceeded to tell me I owed on an account from Kay Jewelers in the amount of over {$1200.00}. I told him I would need to see this information because I don't believe I owe them that money. He told me they already made the necessary attempts to collect on the debt by mail and I should already have that information and I would need to pay the amount. He then proceeded to tell me the original amount was around {$600.00} and with fees and so forth I now had to pay {$1200.00}. I told him I do not agree with that and he said it did not matter if I agreed or not. He wanted me to agree with it without looking at the documentation. He told him if I look at my credit report or contact Kay Jewelers they will tell me the same thing. I let him know that I will not agree to anything unless I see the documentation. He then started telling me what my social security number was and asked if I needed the account number. I told him to do what he needs to do and hung up with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, World Acceptance Corporation has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to purchase my Equifax credit report through any means. Can not obtain credit report directly from Equifax website, any external website such as XXXX, or XXXX. All keep giving an error that Equifax has blocked access to my credit file. When I spoke to the Equifax Rep they advised me the reason was because my " file was too large '' and I had " too many soft inquiries '' and I needed to wait for them to fall off for me to access my credit report. I have never had this issue with any of the other credit reporting agencies. Supervisors are clueless as to why I ca n't pull my report.
Product: Mortgage

I requested SLS to update my account status in XX/XX/2020 with all three credit bureaus, And as of XX/XX/2020 they have updated and removed the account in forbearance comment, however SLS reported the incorrect outstanding balance, actually reversing it from $ XXXX Balance to now showing $ XXXX Balance, a negative {$9000.00} difference and because of this my scores dropped 30 points with XXXX, 15 points with XXXX  and 20 with XXXX. 

I have confirmed with the bureaus the drop in score is due to the reverse of reporting a balance of {$370000.00} As of XX/XX/2020, to now reporting an outstanding balance of {$380000.00} on XX/XX/2020. When I actually have made payments of {$2900.00}, {$11000.00}, {$2900.00} and {$1500.00} Since XX/XX/2020 through todays date.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.
Product: Mortgage

XXXX : I checked my credit score and it dropped dramatically due to a hard credit pull from Amerisave Mortgage on XXXX. 

I had cancelled a home loan refinance with Amerisave Mortgage in XX/XX/2021 due to too many issues with getting the loan closed. 

On XX/XX/2021 Amerisave Mortgage rep XXXX XXXX called me, I told him I was not interested due to my previous bad experience with his company. 

When I contacted XXXX XXXX, he lied and said I gave him permission, that he absolutely would not have the inquiry removed, forcing me to file a complaint against Amerisave Mortgage with the XXXX XXXX XXXX and disputes with credit reporting agencies.
Product: Student loan

Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

Upon reviewing my credit report, dated XX/XX/2024. I discovered an entry regarding a charged off account that contains inaccurate information. The account in question is listed as account # XXXX, and it is reported as charged off by Nissan Motor Acceptance Corporation. However, after thorough examination of my records, I have reason to believe that the information provided by Nissan Motor Acceptance Corporation is erroneous and does not accurately reflect the status of the account. Upon further examination, it has become evident that inaccuracies exist on the report such as the last payment date, balance owed, last reported and term length. Such inaccuracies not only tarnish my creditworthiness but also undermine the integrity of the credit reporting system as a whole. I request that you conduct a thorough investigation into this matter and verify the accuracy of the information being reported. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Inaccurate reporting can negatively impact my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX AV XXXX XXXX, IL XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. XXXX681i. Procedure in case of disputed accuracy section ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Checking or savings account

I am currently unemployed and I was in contact with my state, IL, unemployment for over 10 months because, as it happen to thousands of people that lost their job because of Covid-19, my name and information was used to claim unemployment. As mentioned, this was an issue with the state 's system being compromised. 
After about 10 months of providing proof to my state agency, I was awarded back pay for 6 months. This was sent to my banking institution as direct deposit on XX/XX/2021. 
After an email sent by my states unemployment office to me stating that my bank, Chase Bank, refused the direct deposit, I got in contact with the bank. 
To my surprise and long discussion with a representative on Chase, they told me that my account, XXXX checking and XXXX savings, were restricted and they did not want anymore business with me. I was very upset as I've been a customer of Chase for over 20 years. 
The representative told me to go to a branch office and I would get my funds. 
I went to the branch office and after an hour of waiting they told me that the funds will be mailed to me on a check and that it would take 10 days. 
After that time expired and on XX/XX/XXXX, I got my statements where it indicated my balances but no funds were sent to me. It was well past over the 10 days they mentioned but they first mentioned to go withdraw my funds but the bank refused to give me my funds and stated that they were going to be mailed. 
Well to this date, my funds have not been mailed to me, XX/XX/2021. I have talked to the branch manager, the customer service, and they finally gave me a case number but but it has been almost a month and they keep telling me the same thing. It is still on the fraud department and they have not given us an answer. This is what the representative tells me every time. They have bounced me between representatives and this is really affecting my life as I dont have an income because I am unemployed for a year now. 
I can assure you that this is a huge mistake as I am an honest person and the funds on those accounts are part of the hard I worked for 30 years before being laid-off. 
I need help to get this resolved as they have not listen to me, they are not helping me and they really dont care about my current situation. 
I need my funds returned to me now. It has been a long time and I have no income and my bills are not getting pay. 
Please provide any help for me. 
Thank you.
Product: Debt collection

The CBE Group XXXX Inc XXXX XXXX XXXX XXXX, IA XXXX Reference : XXXX XX/XX/22 Letter stated : The letter is regarding account with Department of Veterans Affairs account number XXXX As of XX/XX/22 you owed : {$34.00} and was charged administrative costs : {$11.00}. 

Caled XXXX spoke to VA Rep. and was told do not owe {$34.00} and account number XXXX not in their system. Called XXXX XXXX The CBE Group , INC. and representative asked what Government department I spoke to. I told them and they kept asking for department I spoke to. Every time I answered them, they said it was wrong department. I gave them all the information on VA that sent my medical bills and every time I was told, by CBE Rep ; I talked to wrong department. I finally replied that as per CBE Group letter : This is not my debt, I want to dispute the dept. The representative hung up on me. 

Contacted CFPB by phone and helped to be able to send in this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX has XXXX inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach ut to other credit bureaus such as Equifax and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or Equifax and XXXX is refusing to remove fraudulent addresses. 


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

XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX The addresses listed above : Should be the only addresses on file for me any other addresses should not be on my credit file Ive lived at XXXX XXXX XXXX XXXX XXXX IL XXXX since XXXX and moved into XXXX XXXX XXXXXXXX XXXX  XXXX IL XXXX in XXXX from the previous address I want all addresses and accounts attached to the addresses not listed above removed from my report. I have reached out to these entities to correct this where they have refused. They are in violation of the FCRA and I should be paid as a remedy and also have the the addresses and accounts associated to them that are not listed above deleted from my credit file. If this is not remedied, I will be forced to pursue legal action
Product: Credit reporting or other personal consumer reports

Hard Inquires for XXXX  XXXX, XXXX, XXXX XXXX and Affirm {$410.00} debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters regarding my accounts with Equuifax. They are nor reporting correctly and they refuse to remove these account. These accounts are fraud and they are not removing these and using stall tactics. I refuse to keep being a victim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX  # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions