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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax 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 a my file at XXXX and Equifax 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. 
I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX  ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # 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 instruction.
Product: Credit card or prepaid card

I have a dispute on file with card.com And they refused to give me a provisional credit while they dispute my case
Product: Credit reporting or other personal consumer reports

noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My card was stolen and used fraudulently between XX/XX/XXXX and XXXX, after I had made a large payment of {$1300.00}. The unauthorized transactions totaled over {$2000.00}, maxing out my card at {$3500.00}. I need to know what solutions are available to resolve this issue. I assumed that having a credit card meant I could dispute fraudulent charges when they occur. Please advise on the next steps.
Product: Credit reporting or other personal consumer reports

A second loan was taking place in name I never had notice of this I have requested information several times before and nothing has been done
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Late payment : account : XXXX, XXXX : XX/XX/year> Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA

( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter on my own accord without any assistance from a credit repair agency/specialist or 3rd party individual. I have reported this error multiple times and the information is still being reported wrong. And due to this false reporting it is causing me anxiety/financial hardship by making it impossible to find a place to stay. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. 

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 XXXXXXXX This is grounds for removal they also violated my rights under : 15 USC 1681i Section 5 ( A ) ; 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 as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

XX/XX/XXXX Made purchase online for a tire, order # XXXX Dollar amount {$260.00} XX/XX/XXXX Received the item, but it was the wrong size XX/XX/XXXX Informed seller item was incorrect, they offered to exchange XXXX, received no further info from seller, initiated dispute with BOA card services XXXX Returned the wrong item, with tracking info to address provided XXXX Received conditional credit from BOA XXXX received confirmation from XXXX ( returned ) item was delivered and signed for XXXX Additional information to support my claim requested by BOA XXXX Requested info mailed to address provided XX/XX/XXXX BOA responded that the dispute was denied XX/XX/XXXX Claim reopened XXXX Claim denied again XXXX I called to speak with BOA, " XXXX '' , then " XXXX '' -She listened to the details, reviewed and agreed that it was clear that I had proven I returned the item, and had not received credit-she was to forward along to claim investigator dept. 
XXXX agreed that it seemed BOA was not acting in the interest of the consumer ( me ) XXXX BOA claim re-opened XXXX Claim denied, " we consider your claim resolved and we won't respond to any further correspondence relating to this claim ''
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$13000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I called Iexus Nexus to inquire why a SECURITY FRAUD ALERT AND IDENTITY THEFT ALERT. I sent them proof of address and a copy of driver 's license along with the ftc report with a dispute letter that they received XX/XX/2022. I spoke with XXXX who refused to give his last name requierd by Nevada law and FCRA, refused to place the said alerts on my file and comply with Nevada law and the FCRA. Also he wanted a picture of my drivers License.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to seek assistance regarding an ongoing issue with a charged-off account reported by XXXX on my credit reports maintained by XXXX and XXXX. Over the past several months, I have repeatedly disputed the accuracy of this charge-off, as it appears to be misrepresented on my credit report and I have not received the necessary IRS Form 1099-C from XXXX. Despite my efforts, each dispute has been concluded by XXXX, XXXX, and XXXX with the determination that the account status is " accurate. '' However, the evidence or detailed findings supporting these conclusions have not been provided to me, raising concerns about the thoroughness and validity of the investigations conducted by these entities. The lack of transparency and failure to provide substantial evidence for their determinations have left me in a precarious position, affecting my financial integrity and credit standing. It seems there is a disconnect between the reported information and the actual investigative processes that are supposed to ensure the accuracy of credit reporting. I believe that the handling of my disputes by XXXX, XXXX, and XXXX may not be in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information and the investigation of disputed data. Therefore, I am seeking the intervention of the CFPB to ensure that a fair and thorough investigation is conducted and that I am provided with the necessary documentation and justification for the charged-off account 's status on my credit reports. I appreciate the CFPBs attention to this matter and look forward to your support in resolving this issue.
Product: Checking or savings account

I have reason to believe that a family member is illegally forwarding my mail to an address that is not mine and is using my accounts to deposit large sums of money into my account without my knowledge. I opened an account with U.S bank back in XXXX to use for my XXXX accounts. I do not know the account number but my social security number is SSN # XXXX My name is XXXX XXXX and XXXX XXXX XXXX XXXX, FL XXXX is the address I had at the time of opening. 

I was under the impression that all accounts where closed under my social security number until I recent received correspondence from U.S Bank notifying me that they where aware that " Usps my change of address '' submitted and will update " My Accounts '' with my new address. I shocked to realized that account where still open under my name. Can you please close all accounts under my name and send every single statement for my account for the past XXXX years as soon XXXX possible. Please send all correspondence to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00}, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. I demand the inquiry listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give AMERICREDIT written permission to furnish this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called XXXX to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXXXXXX XXXX XXXXXXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXXXXXX XXXX XXXXXXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Experian and I could not get hold of anyone due to their ridiculous phone prompts. I wasted an hour trying to speak to an actual person. Its almost like they are purposely avoiding speaking to their customers so they cant be held accountable. So I went online to dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Experian agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and they could not even tell me. Also I filed a police report with my local police and I can provide the police report upon your request.
Product: Debt collection

XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX  XXXX {$2900.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written 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. 

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. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature. 


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

There is an unauthorized inquiry from Tower Loan in which I have not consented to. I have not applied for any of their products or services.
Product: Credit reporting or other personal consumer reports

I want to formally request verification of the debt associated with the XXXX XXXX XXXX XXXX account ending in XXXX, which has been inaccurately reported on my credit file in the amount of {$1600.00} opened on XX/XX/year>. I dispute the accuracy of this account and need the following documentation to substantiate the debt : 1. A complete statement or itemized bill showing the original charges and any payments made.

2. A copy of the contract or agreement that establishes my responsibility for this debt. 
XXXX. Proof that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect on this debt. 
MY WALLET WAS STOLEN TWICE AND XXXX HAD A HUGE DATA BREACH!!! SEE ATTACH MY DOCUMENTS AND POLICE REPORT. I continue to report these mthings. 
I am requesting this information under my rights per the Fair Debt Collection Practices Act ( FDCPA ). Please provide the required documents within 30 days of receipt of this letter, or I will pursue further legal action for FDCPA and FCRA violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 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. 

XXXX  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

Sequim Asset Solutions are calling me and dont appear to be a company operated within the US . Sequim has not provided me with information showing that I owe them any debt. I want this information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the wrong app. And tried to cancel it. The app needed my social security, and I.D the app is Current online banking and i just want to protect my social in case this is a scam.
Product: Debt collection

Have received collection notice but never received a bill from the supposed creditor.