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

EQUIFAX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX am submitting this complaint on my own behalf. 
After reviewing my credit report and disputing said account for several inconsistencies regarding the payment history for : XXXX XXXX XXXX XXXX  XXXX XXXX, Equifax, and XXXX are reporting different payment status, last reported dates, dates last active, inconsistent payment history as referenced on attached credit report. 

This account is reporting by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. Therefore, your agency is entitled to remove this negative account from my credit report IMMEDIATELY. 
Furthermore I would like to remind you of two laws that indicate you can not report this type of information on my credit report.Under 15 U, S, Code 1681b Permissible purpose of consumer reports indicates written permission must be given to report anything on my consumer reports.I XXXX GAVE YOU WRITTEN PERMISSION. No consent is fraud-therefore you can not legally report this alleged charged off account to my credit report15 U.S. Code 1681 section 602A state that I have a right to privacy
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : I have never been late on this account, please remove the late payments. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I started to look closely into my credit reporting due to some inaccurate information and came across Toyota Motor Credit. On XX/XX/XXXX they attempted to serve and sue me for the amount of {$3700.00}. This account was a joint account, and they are coming at me even though this debt belonged to the other party XXXX XXXX XXXX XXXX XXXX, who had filed bankruptcy in 2018. According to NJ eCourts records show that on XX/XX/XXXX, USPS had received a signature, but I have not resided in the state of NJ since XXXX. There were fraudulent charges made on this account and I did not have possession of this vehicle, I was simply the co-signer. I should not be responsible for someone else 's failure to make her payments and have her not pay anything due to her bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX  and have not used credit in some time, since XXXX I have had multiple inquiries in my report that are not mine and no knowledge of them, I have tried disputing to let them know they are unauthorized and possible fraudulent I had them on XXXX XXXX, XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX, XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XX/XX/23 XXXX XXXX XXXX, XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX. for Bank of America N.A. for account ending # XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX and the judge requested an additional 30 days on XX/XX/XXXX. XXXX XXXX XXXXXXXX told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Product: Credit card or prepaid card

THERE IS A LATE PAYMENT OF 30 DAYS REPORTING ON MY ACCOUNT ON XXXX OF 2017. I WAS NEVER LATE FOR THIS ACCOUNT AND WOULD LIKE THE STATUS UPDATED.
Product: Credit card

On XX/XX/year> I checked my credit score to find {$4200.00} had been charged to a credit card opened without my consent at Best Buy ( the card had a {$4000.00} cap ) on XX/XX/XXXX. It dropped my credit score XXXX points. We filed a dispute with XXXX, called the card company and were told we had to speak with Best Buy directly, were unable to get a hold of a human to talk to with Best Buy because they kept asking for our account number ( which I dont have because I didnt open the account, it was fraud ) on an automated message service.
Product: Debt collection

To Whom It May Concern, I am writing to dispute the validity of the debt you claim I owe and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are hereby notified that I am exercising my rights under federal law to request proper validation of this debt.

I am requesting that you provide the following documentation to substantiate your claim : 1.Proof of Ownership of the Debt A complete chain of title demonstrating that your company legally owns this debt and is authorized to collect it.

2.Proof of My Obligation to Pay A signed contract, agreement, or original application bearing my signature, indicating that I entered into this obligation and agreed to the terms.

3.Verification of the Amount Allegedly Owed A detailed and itemized statement of the debt, including the original creditor, dates of debt accrual, and an explanation of all fees, interest, and charges.

4.Verification of Your Right to Collect Evidence that you are licensed and legally authorized to collect debts in my state.

5.FCRA Verification of Reporting Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if this debt has been reported to any credit reporting agencies ( XXXX, XXXX, or XXXX ), I request that you immediately verify the accuracy and completeness of the information. 
Please provide : Evidence that the debt has been properly verified as accurate. 
Proof of the specific method ( s ) used to verify the debt with the original creditor.

Failure to verify the accuracy of this reporting will constitute a violation of the FCRA and will require the immediate removal of this debt from all credit reports.

Until I receive all the above documentation, I do not acknowledge this debt and request that you cease all collection activities, including reporting this debt to credit bureaus. Unverified debts can not be reported under the Fair Credit Reporting Act ( FCRA ).

Furthermore, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist all forms of communication with me, including calls, letters, emails, or any other contact, except to provide the requested verification or to notify me of legal actions taken. 

Failure to comply with these requests will be viewed as a violation of both the FDCPA and FCRA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office if my rights are disregarded. 

Please respond within 30 days from the date you receive this letter, as required by law. Send all correspondence to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX upon receiving my bill in the mail I noticed the {$2500.00} payment had been applied to purchases instead of an expiring 0 % offer that was expiring and about to jump to over 25 %. I called and was assured the change would be made to apply the {$2500.00} payment to the remaining balance that was going to jump from 0 % to over 25 %. The rep explained they would refund me the $ $ and that I would turn around and pay it back so as to apply the payment to the balance amount I meant it to be applied to and not the purchases. Because apparently when I made the payment the payment was applied to the highest interest rate and not the 0 % interest balance that was to expire. But Bank of America just reneged on the phone conversation because I just receive a letter that they are unable to return the {$2300.00} because the original payment your are requesting was made more than one monthly billing statement ago. This is unacceptable. We had an agreement and now I have to carry a balance of over {$2000.00} with an interest over 25 % because I did the responsible thing and paid off the balance offer before the 0 % expired?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report  and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Debt collection

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent account have been opened under my name without my knowledge or consent. These account is charge-off which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. 
Dispute and Remove these fraudulent account and injuries. 

Account XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

So on XX/XX/2021 XXXX XXXX transferred {$5000.00} out of my checking account would think of America it was an ACH transfer they said it would take 45 days it's been 45 days all I've been given his story after story that they've lost my claim that they found it that it's pending and I still have not received the funds back into my account I'm not received any letters there's been complaints on my account I'm not received any response to any complaints that the representatives have madeit just seems like they don't want to reimburse me my {$5000.00} and I am getting no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX with account # XXXX Balance of {$200.00} XXXX XXXX  with account # XXXX and a balance of {$5900.00}. 
XXXX with account # XXXX and a balance of {$53.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I requested proof of standing that I was paying the correct servicing company. I also requested full disclosure and complete accounting history of the alleged debt, however I have been continuously harassed by alleged agents coming to my property without prior notification which has been highly embarrassing and degrading. Please have this company to comply under the FCRA/FDCPA and truth in lending act or void this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one specific account on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this account : XXXX XXXX XXXXXXXX Balance : {$21000.00} I already sent the necessary file in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so please verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported inquiries that is totally fraud, there is even 2 inquiries in 1 day from the same company, I have no idea who this is XX/XX/XXXX XXXX XXXX-XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX/XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received anything from Transunion in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and FAL report. I've been trying to reach out to Transunion, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Transunion has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.
Product: Debt collection

I continue to receive telephone calls from XXXX. The company denies making the calls, but the calls continue. The caller ID reads " Navient ''. If Navient is not making the calls then the company should be motivated to find out who is using their name. One of Navient 's subsidiaries ( General Revenue Corporation ) has been linked to this number. I can provide pictures from my caller ID that provide the date, time, and caller information. I have picked up the receiver, and no one is there. The company is making illegal robo-calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX closed credit card balance was paid in full over two years ago. The current status says 90-110 days late. When I applied for a credit line increase from a currently active credit card, my reason given for denial was due to a recent delinquency. This more than two years ago closed account is neither recent nor delinquent. I request this closed XXXXXXXX XXXX  credit card be removed from all of my credit reports. I have been in great standing with all of my current credit cards these past two years. I have more than earned my fresh start.
Product: Debt collection

I have received numerous letters and phone calls from Ad Astra Recovery Services regarding a debt that I do not owe. The letters say that I am seriously delinquent on an installment bankline loan with XXXX XXXX. I have never taken a commercial loan, nor have I ever had any dealings with XXXX XXXX. 

I spoke with a representative of XXXX XXXX and told them that I do not owe this debt. Nevertheless, they have continued to send me harassing letters threatening to hurt my credit. The letters state, falsely, that since you failed to respond ... we are now proceeding under the assumption that the debt is valid. They say that if I dont pay {$3500.00}, they will hurt my credit. 

Please help me stop these harassing an unfounded communications.
Product: Credit reporting or other personal consumer reports

Late payment records on my report are incorrect and inconsistent with my usual habits. Kindly fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

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, 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 an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.