23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX TODAYS XXXX PAUL MICHAEL MARKETING XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PAUL MICHAEL MARKETING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Mortgage

On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.
Product: Bank account or service

I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the multiple inaccuracies listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), section 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The negative accounts reported in my credit file do not meet this standard and were reported without my written consent. 
Details of the disputed items are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported, and I am requesting that you conduct a thorough investigation into these matters. Please verify the accuracy of these accounts, remove the inaccurate information promptly, and pay {$1200.00} in monetary damages for the distress and impact caused by this incorrect reporting.
Product: Credit card or prepaid card

Chase encouraged me to add authorized users on the cards we use. I added contractors who work at our house and business. I also added my wife. We accumulated a good number of points. Then, without warning, chase closed all three of my cards. The explanation said I had too many inquiries. There were two inquiries over the past six months. I always paid my bills on time and had recently been given a credit limit increase. Chase 's sudden actions meant I missed bills that were on autopay through their cards as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by 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

account # : XXXX I am writing to dispute inaccurate information reported on my consumer report under the above-referenced account. This complaint serves as a formal request under the Fair Credit Reporting Act ( FCRA ) to remove the following inaccuracies : 1. Date Opened : XXXX reports the date as XX/XX/year>, while XXXX and XXXX list it as XX/XX/year>. 
2. Last Reported Date : Each bureau has a different date : XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ), and XXXX ( XX/XX/year> ). 
3. Payment History : XXXX and XXXX incorrectly report 60-day late payments for XXXX and XX/XX/year>, while XXXX reports only 30 days late. I contest these as inaccurate. 
4. Date of Last Payment : XXXX reports the last payment date as XX/XX/year>, while the others list XX/XX/year>. 

Under the FCRA Section 607 ( b ), credit reporting agencies are obligated to ensure maximum possible accuracy of the information reported
Product: Debt collection

I financed a bed with XXXX XXXX XXXX  that was damaged. they wouldnt take it back and stick me with the bill. I went back and forth with them and Acima Credit who had me DONATE it for remaining balance to be settled and not paid in full. I accepted the offer  and donated it with proof. and they are still coming at me in my credit report with XXXX   and making outstanding balances several times which dropped my score to THE 400s very poor which now effects my livelyhood and finances of buying my house. The problem is they lied over the phone. why would I donate my bed frame foot board and head board and pillows if they were not going to settle the payment and destroy my credit. now they want me to pay for something i donated. i have proof attatched and XXXX XXXX contacted them and they accepted this settlement as long as they had a tax ID number. imagine that.. they win double. tax cut, and a sale that was only good for them.
Product: Student loan

In XXXX XXXX, I requested that my school send in updated verification information to continue my in-school deferment for my Wells Fargo student loans that have been in deferment since XXXX XXXX. On XXXX XXXX, XXXX, I was contacted via telephone by a Wells Fargo representative, who confirmed that my enrollment verification information was received, asked a series of questions, and told to expect a response within approximately 10 days. On XXXX XXXX, XXXX, after being notified my loan was no longer in deferment, I called to verify the status, and I learned that my deferment was still being processed. 
None of my other student loan lenders request updated enrollment information to continue a deferment for a four-year XXXX program ; it is only Wells Fargo that mandates annual re-applications for deferments while in a four-year program, and Wells Fargo still has not updated my deferment even after receiving the needed enrollment verification one month ago, causing my loan to go into repayment.
Product: Credit reporting or other personal consumer reports

I have been checking my credit report almost every hour since the first time such discrepancies appeared on my credit report. This time, I noticed that there are currently fraudulent inquiries and I'm why this keeps happening to my report but please thoroughly check the documents I've sent so this thing won't happen to me again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but Transunion and XXXX have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided  to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureau. The inaccurate information about my inquiry is still on my report. Therefore, Experian/XXXX have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Inquiry Date XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX erroneously reported to Trans Union that I filed bankruptcy on a {$3200.00} loan/line of credit. This error has significantly impacted my credit score and presented several challenges to my borrowing capacity. None of the other reporting agencies show this bankruptcy on my credit. I have since contacted XXXX XXXX XXXX multiple times and they have repeatedly told me that they have contacted Trans Union and informed them of their error ( I did not file for Bankruptcy ). I have also attempted to dispute the claim with Trans Union, to which they have written a note that the account was closed, but have not removed the bankruptcy from my file ( saying it would fall off my record in XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of identity asked experian to remove innacurate fraudulent accounts inquires and adresses provided proof of lease and identity theft report still has not been removed
Product: Credit reporting or other personal consumer reports

Complaint Against : XXXX XXXX Website : XXXX XXXX XXXX Complaint Description : I am filing this complaint against XXXX due to their unjust deactivation of my account and their failure to respond to multiple appeals. 

On XX/XX/year>, I contacted XXXX support team regarding the suspension of my account ( XXXX ). During this conversation, I was explicitly assured by XXXX XXXX that my suspension was not permanent and that my account could be reactivated after following specific steps, including responding to their email. 

I complied fully with these instructions in good faith. However, I was later informed that my account was permanently deactivated for an alleged violation of the Independent Contractor Agreementwithout receiving a clear explanation or evidence of any wrongdoing. This decision contradicts the assurance I received from XXXX support. 

I have since reached out multiple times via email and other channels, but XXXX has failed to respond. This lack of transparency and customer support is unacceptable, especially as XXXX has been a crucial source of income for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for no old navy charge card in XXXX to XXXX. This on my credit report and needs to be remove immediately. Account # is XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because TD XXXX/XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX  ; I made a formal complaint with XXXX, and TD  XXXX/XXXX XXXXXXXX and they both failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX  report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Credit card or prepaid card

Dear Compliance Officer ; I was going through my credit report in the last week or so and noticed something on my credit report that doesn't seemed right. I noticed that there was a account opened on my name early this year ( XX/XX/2019 ) with a balance of over $ 400+ for something I never applied or used the account for. 

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract, application, the agreement used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours, XXXX
Product: Vehicle loan or lease

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the XXXX pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, 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 states a consumer reporting agency can furnish an account without my written instructions. 46.9K 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. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
Product: Credit card or prepaid card

I was forcibly charge on my card I had replaced and the amount was doubled. I contacted the sources a refund was issued. And not it is showing on the statement 4 times as adjusted but never returned as credit. It becomes confusing and I do not want to be take advantage of assuming the professionals are going to handle this occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and talked to them about this matter. They agreed to REPAIR and UPDATE my accounts to positive. So please update and correct my accounts right away. 


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