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

I am submitting this follow-up complaint to apprise you of the ongoing issue stemming from my previous report concerning identity theft. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items identified in an identity theft report, particularly in my case with reference # XXXX. Enclosed, please find the attached documents supporting the removal of erroneous information and inquiries erroneously posted on my reports. The following is a list of items that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN 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 Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 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 XX/XX/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, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that XXXX continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i. 
In a previous complaint filed in regards to IQ Data International, I stated that XXXX has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to IQ DATA INTL INC partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXX XXXX  tax return, showing that I did not live in XXXX, XXXX  during that time. The written signatures sections on the leasing agreement sent to me by IQ data is actually blank.

NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. IQ Data then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
As of today, XXXX has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is XXXX  days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And XXXX continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.
Product: Credit reporting or other personal consumer reports

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly.

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

The following inquiries need to be removed from my credit report. 

Account : REMOVE XXXX REMOVE
Product: Money transfer, virtual currency, or money service

On XX/XX/22 around XXXX XXXX  I received a called from a person claiming to be from XXXX XXXX electricity company collection agency to collect a debt, the person that called told me I need to pay 800.00 immediately to avoid service interruption, They called from XXXX XXXX after I called back the number to verify which had the same prompts as XXXX XXXX I made the payment, after making the payment the persons attitude changed and I questioned them, I immediately called my bank Citizen 's to confirm what appeared to be XXXX XXXX payment to find out it seem to be a scam, I asked the rep to flag the transaction which he said he did, then I call at a later date to find out they still allowed it to go through. 
it was a XXXX payment feature through my banks website My citizens bank claim number is XXXX
Product: Checking or savings account

This bank is infuriating because I simply can not get a human being to speak to me about my account. When logged in to the checking account, they suggest sending a secure message -- but there is no place in the user interface to send a secure message. I have scoured and searched every page, and it doesn't exist. They also apparently have a chat feature, but I've checked every single day for XXXX weeks and the chat feature is never available. 

They also link to a XXXX help account that has been defunct for literally years now. I eventually found the official, working XXXX. They don't answer tweets. 

I am also checking these functionalities in the Regions app. Nothing is ever made available. 

I also call customer service at this number : XXXX. I can never convince the system to let me speak to an agent after inputting my social security number and PIN. The system tells me that my checking account is already closed, and it is NOT, it is still open in the website interface and also in the app. I am being charged {$8.00} a month on the checking account. 

I want this unbearably disorganized bank to close every single account attached to my name and mailing address immediately. The customer service is completely non-existent. GET IT TOGETHER, REGIONS BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : 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 My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, please remove all others they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is illegally reporting a collection account that does not belong to me. Original creditor : XXXX XXXX XXXX XXXX The account ( s ) in my name were created via identity theft. I've filed a police report and FTC affidavit to help resolve this issue. You need to stop reporting this account to my credit report and notify them to delete this.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I recently pulled a copy of my credit report on Experian and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this Macy 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response from my complaint to you submitted on XX/XX/XXXX. I received your results and you did not provide any method of verification. Who did you speak with at the companies? What date did you speak with them? What is their telephone number and address? Provide disclosures between me and the companies of me giving them permission to report to my credit report. I have a right to privacy on my consumer report according to 15 USC 1681 ( a ) ( 4 ) and any company reporting my information without my consent is in violation. Accounts I am inquiring about are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 a 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 my file at Experian is 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 items 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 need the accounts corrected PRONTO : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax has reported on my credit report incorrect information. I want them to correct it immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified dispute letter to XXXX Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, Transunion on XX/XX/2021, and XXXX on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.
Product: Money transfer, virtual currency, or money service

CashApp did not have live agent to resolve my problems
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account no. XXXX amount {$8900.00}, date opened XX/XX/XXXX, remove " XXXX XXXX received deed for collateral in lieu of foreclosure on a defaulted mortgage and late payment remarks '' XXXX ( Original Creditor : XXXX XXXX XXXX  ) account no. XXXX amount {$1100.00}, date XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account. 

ACCT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account no. XXXX, amount {$880.00} date open XX/XX/XXXX, remove Derogatory collection remarks XXXX XXXX account no. XXXX amount {$3000.00} date opened XX/XX/XXXX, remove Collection/Chargeoff placement for collection and negative Derogatory remarks from my account, Charged off as bad debt Purchased by another lender. 

Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion In accordance with the

Fair Credit Reporting act XXXX XXXX XXXX listed above, 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

This morning, I was stunned to discover inaccurate accounts on my credit report, and I have no idea how they got there. I review my credit report regularly, and everything was fine beforenow these discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changed. Its frustrating that these errors remain despite my attempts to resolve the issue.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX to your agency, Experian, and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. Requested Documentation : In order for XXXX XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within 10 calendar days of receiving this notice. Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. Late Payment ( s ) in Question : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was approached by a female I'd known for some time, who said she needed {$160.00} to get her electricity turned back on.I sent the money through PayPal, and she said she wanted to come to see me, but needed money for gas. She was supposed to be here the weekend of XXXX XXXX, but never showed up and kept texting that she needed more gas money. By XX/XX/XXXX, I had sent her a total of {$770.00} and still no sign of her. I asked for my money back, she refused. I then filed a dispute with PayPal, and they denied it. 

I can send you a complete record of the transactions upon request.
Product: Debt collection

Company has pulled personal data and has contacted me at my place of business. I was told that it was left as a " contact number '' which is an untrue statement, I hadn't been working here when this account was active. My company has now started questioning my financial responsibility to handle receiving payments on customers accounts.
Product: Debt collection

I have a credit card with aspire XXXX since XX/XX/2023. I have not missed a payment up until now. I was out of work due to a family emergency I came back last week. I am on a fixed income and I am barely making it. Yesterday XXXX I received emails from aspire about a past due balance of {$56.00}. Then today XXXX I received a phone call from XXXX ( XXXX ) XXXX. I answered thinking it was someone else. And it was an agent from aspire XXXX. She explained there was a past due balance and she had seen that a payment was scheduled on XXXX. And then she proceeds to ask me is there a reason why you missed that payment. It is clearly none of her business. I am on a hardship and short on income due to me being out of work and I need time to get back on my feet. I would like the calls to cease and desist until I get more income to get caught up
Product: Credit reporting or other personal consumer reports

Transunion has Reported a XXXX XXXX on my Credit Report without my acknowledgment, And that is illegal. Code 15 US 1601 states. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Product: Checking or savings account

Over XXXX was taken from my account and I had to make claims because they kept missing out on everything and didnt want to give me my money back when my phone was stolen and someone had access to all my information