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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported again on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX CARD SERVICES XXXX Balance : {$2900.00} XXXX CARD SERVICES XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$27000.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX, 2023
Product: Credit reporting

The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is a debt collector for XXXX XXXX and they are reporting debt on my credit report for {$16000.00}. The debt is not valid because they can not verify me, and my consumer rights are being violated under the FDCPA. I am aware that XXXX XXXX received a big check from the government under the CARES ACT ( from XXXX XXXX XXXX ) for my household when the pandemic was GRUESOME AND DREADFUL and they still illegitimately got me evicted. Im being subsequently sent to collections by XXXX XXXX however the eviction was unfair and during COVID 19. I have disputed with XXXX and they just keep updating the account!! XXXX XXXX violated my rights under 15 USC 1691, 15 USC 1681s-2, 15 USC 1692, 15 USC 1681a XXXX XXXX has violated my human rights and deprived me and my sons life and my personal information was sold to XXXX XXXX XXXX XXXX  causing significant damage to my credit report with out my knowledge and consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as -0- on my credit report. Their information is as follows : XXXX XXXX XXXX 6XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief. My information was exposed in 2017 through XXXX  data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

To Whom It May Concern : I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, XXXX, XXXX, and TRANSUNION are legally culpable. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. 

Next, I contend that XXXX, TRANSUNION, and XXXX have conducted superficial investigations into earlier submitted consumer disputes. Thereby, relevant information failed to be forwarded to data furnishers uncritically and without examination or scrutiny, accepting e-Oscar responses. Moreover, these responses were routinely found to be implausible or contradicted available information. Despite previous disputes, XXXX, XXXX, and TRANSUNION have failed to properly investigate and correct inaccuraciesresulting in undue personal and professional harm. I respectfully request that the Consumer Financial Protection Bureau take immediate action to compel compliance. SEE ATTACHED SUPPORTING DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. 
I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.
Product: Bank account or service

I went to purchase a product for {$6700.00}. I went through bank of America after putting a {$1000.00} down with another credit card. I took the title to XXXX in XXXX, MD. XXXX said they are very aware of this company but this is not the company that sent me the title. I called the company so I can go and pick up the trailer. I can not haul the trailer until I have it registered and start my business. However, the person who gave me the title have no right to give me the title for this. I have the title but no product. Bank of america told me the company have 10 business days before giving me a temporary credit. I called Thursday XX/XX/XXXX. BOA said they are giving the company until Saturday XX/XX/XXXX. I called and was told the pet in BOA is closed that day. The rep said he is not sure why they told me that but he also saw it in the notes that they told me that. He told me to call BOA Monday because they are going to give the company until over the weekend to respond. I call Monday morning. Was told by a supervisor that all XXXX reps lied and did not tell me the correct information. I have to wait 45 days for them to investigate it. They said they would grant me a temp credit at first now they will not. They have not done anything with this investigation because I believe BOA know this company is a fraud. XXXX is also doing a investigation on this company. I purchased this through BOA thinking that my money was safe. I will be sure to remove all my money from BOA after this because I now see that they can not be trusted. I am a single mother who saved up for this business through what I thought was a trusted bank and this bank is not to be trusted
Product: Debt collection

In the Matter of : Portfolio Recovery Associates, LLC On, XX/XX/2021, Portfolio Recovery Associates, added a derogatory mark on my XXXX, XXXX and XXXX credit report. Balance of {$600.00}. 
Upon further research, this account is not mine. Iam not responsible for the debt account. The Collection agency did not validate/verify this collection of debt. 
Also, there is not a written form of communication, a original contract with my written signature for this accused debt. A bill without a signature does not validate the date, anyone can send a bill saying I owe them. 
According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer, and I am requesting legal action thru your services to remove the account immediately. I dispute the debt account as no knowledge of account. 
Language in PRA 's purchase agreements puts PRA on notice that information in the Sale File might be inaccurate, incomplete, or otherwise unreliable. 
Initiating any XXXX XXXX XXXX unless in possession of the following : a. Original Account-Level Documentation reflecting, at a minimum, the Consumer 's name, the last XXXX digits of the account number associated with the Debt at the time of Charge-off, the claimed amount excluding any post Charge-off payments ( unless the claimed amount is higher than the Charge-off Balance or judgement balance, in which case Respondent must possess ( i ) Original Account-Level Documentation reflecting the Charge-off Balance and ( ii ) an explanation of how the claimed amount was calculated and why such increase is authorized by the agreement creating the Debt or permitted by law.
Product: Credit card

Dear Sir or Madam, WHO : I am a XXXX male who was XXXX while in military service during the XXXX. It is my opinion that Chase Bank Credit Card Services is attempting to avoid their statutory obligations relative to statutory credit card services. They are attempting to avoid procedures relative to a disputed debt practice. 
ISSUE : In XX/XX/XXXX I disputed a debt with a contractor, XXXX. 
The contract is dated XX/XX/XXXX, the work began XX/XX/XXXX, and the last day the contractor was on site was XX/XX/XXXX. The contractor failed to use material specified in the agreement, damaged what they did install, and failed to install a shower door. To compensate me for the inferior materials, damage, and failure to perform as stipulated in the agreement, Chase was asked to withhold {$500.00} from two payments totaling {$2800.00}. 
On XX/XX/XXXX, I mailed a copy of my contract with the merchant and a letter detailing contractual deficiencies. On XX/XX/XXXX, Chase sent a letter telling me that my claim had not been approved. 
On XXXX I called XXXX. I was told that the decision could not be reversed but I could repeat my dispute and send in more information. I explained other than a copy of the contract, and a detail of items wrongfully substituted, damage caused by the merchants contractor, and failure to install the shower door, could not provide any other relative information. All the XXXX customer service could say was " send more information ''. After 45 minutes, I had accomplished nothing and asked to speak with a supervisor. As the supervisor had eight call waiting, I decided to simply request a return call. 
The following day, I again called Chase XXXX, and talked to a second customer service representative. She transferred me to a third Chase supervisor who asked questions that had no nexus to my claim. The federal statute which provides for a disputed claim process with a merchant does not permit Chase to inquire or provide information that has no relevancy to my dispute. 
Feeling very frustrated and agitated, I simply asked the last customer service supervisor to terminate my Chase account, and provide an explanation as to why anymore information or documents was necessary to substantiate my claim. Unless I receive a response from Chase that is relevant to their denial of my claim, it will take judicial action by Chase to recover the alleged amount in dispute. 
RESOLUTION : All in all, correspondence and phone time, I spent more than eight hours on this issue. Enough is enough. Please assist in validating my claim and clearing the charge on my credit card.
Product: Credit card or prepaid card

There was a promotion at the end of XXXX this year from Barclays on their XXXX card. The offer says Best Offer Ever, and XXXX points instead of regular XXXX points. The condition is to spend {$1000.00} in the first 3 month and additional XXXX points after I spent {$6000.00} on the purchase within 12 month. I met all the spending requirements within timeline but have only received XXXX points. It is almost 3 month and after I made inquiry I found out Barclays mailed me a different type of XXXX XXXX card that did not qualify for this promotion. I did not even know there are different type of XXXX XXXX  card until now. Try to resolve the issue with Barclays but no success so far. I saved all the evidence but Barclays are not interested in seeing any of them.
Product: Debt collection

Dear Portfolio Recovery Associates , LLC, Thank you for your response and for investigating the complaint regarding the PRA account ending in XXXX. 

I would like to address the points made in your response by referencing the relevant provisions of the Fair Credit Reporting Act ( FCRA ) : Verification and Validation of Debt : According to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which is often cited alongside FCRA regulations, a consumer has the right to request verification of the debt. While you mentioned that you have sent validating documentation, this does not serve as proof that I owe PRA for this debt. I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor ( XXXX  XXXX  ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt. 

Accuracy and Integrity of Information : Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the information provided. I require evidence that the account information reported to credit bureaus is accurate, complete, and free of any discrepancies.

Cease Communication Request : I appreciate your acknowledgment of my request to cease all communications regarding the PRA account. Be reminded that under the FDCPA Section 805 ( c ), debt collectors must cease communication upon written request, except to advise that the collector 's further efforts are being terminated, or to notify the consumer that the debt collector or creditor may invoke specified remedies.

Dispute Resolution : According to Section 611 ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information directly with the consumer reporting agency and the information furnisher. If I find any inaccuracies in the validating documentation provided, I will exercise my right to dispute such inaccuracies. 

Request for Contract Assignment and Wet Signature : To further validate this debt, I demand a copy of the contract assignment between Portfolio Recovery Associates , LLC, and the original creditor ( Ally Bank ), including a wet signature indicating my agreement to pay PRA and not the original creditor. This documentation is essential to establish your legal right to collect this debt.

Consequences of Failure to Provide Documentation : Please be advised that failure to provide the requested documentation within 15 days will be grounds for removing the account from my credit report. 

I expect your immediate attention to this matter. Failure to comply with these requests will result in appropriate actions to protect my rights under the FCRA and FDCPA. 

Sincerely, XXXX XXXX
Product: Debt collection

I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Checking or savings account

OnXX/XX/XXXX the Navy Federal Credit Union made an unauthorized withdrawal by check from my savings account in the amount of {$4600.00}. I first noticed that this transaction ( which I had not authorized ) had taken place on XX/XX/XXXX When I questioned the credit union by telephone I was told that the money had been sent to my ex-wife at her request. I have never authorized my ex-wife to withdraw money from my savings account.