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

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified and deleted immediately. 

ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> Ive contacted XXXX at XXXX I spoke with a live rep by the name of XXXX about not having access to my online portal with XXXX however its saying my account is suspended when it shouldnt be, yesterday XX/XX/year> it says my fraud alert was placed back on and back off without my consent it shouldnt have been placed back onto my account without me doing so. However I was trying to dispute an account that shouldnt be on my credit report XXXX XXXX its repeating an amount of {$110.00} as of mortgage / rent I do not pay mortgage and I didnt report any lease of no kind for rent services with XXXX. I do have a XXXX  account but its a credit builder account thats it. This new account ruined my credit worthiness Ive dropped over XXXX with Experian and XXXX with XXXX and XXXX due to this error. I asked that it be investigated and removed from my credit report immediately. XXXX and Experian are currently being sued due to not investigating, and reporting errors on consumer reports. This has caused me mental and physical stress.
Product: Checking or savings account

This bank is the worst bank ever. They updated their online banking system 2 and a half weeks ago and it still does not work. Their support team is one of the worst! I called and was put on hold for over an hour each time that I called and each time, they were unable to help me. They suggested deleting the app and installing it again and other terrible and time wasting " suggestion '' but they were unable to help me. I didn't know how much money I had in my account nor could I pay for my credit card bill using the online app and I had to go to the branch each time. They have been unreliable for almost 3 weeks. Was on the phone with XXXX XXXX and he told me that he was the highest ranking member in his office but he was unable to do anything to help me. They literally passed me around between different people working there and no one could help me. I am taking my business else where since TD can not manage to run their bank. This is America 's most UNreliable bank. Honestly, I've never felt so helpless when it comes to accessing my own account or money. I am deeply disappointed and there is nothing TD can do to fix this. I honestly think someone should be fired for this stupidity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone fraudulently applied for credit through ( Capital one bank ) I called ( cap 1 ) corporate and they said they do not have the inquiry in their database.however ( XXXX XXXX ) won't remove the fraudulent hard inquiry for credit application. Also I have an similar issue where someone fraudulently applied for a auto loan through ( XXXX XXXX ) without my knowledge or permission I reached out to the company to no avail, it's been over 60 days with no debt validation from either.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX  and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX  XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY Tenant
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has several bankruptcy cases reported on my credit report that should not be on my report. I disputed this with TransUnion & they sent a letters stating they verified the debut belonged to me, but did not provide whom they verified the information with. I called the Bankruptcy Court Clerk in XXXX TN XXXX I spoke with XXXX she advised they do not verify bankruptcies with the credit Bureaus & have not provided any personal information about me to them they don't provide SS # DOB or any personal information to the credit bureau. I called Transunion & asked who they spoke to to verify this information they could not provide me with a name of person who verified that this belonged to me, they advised they did not have that information. They didn't have a letter from a person that verified it either.
Product: Debt collection

I received two letters two months ago in XX/XX/2022. The name on the letters was XXXX XXXX which I never saw or used before so I didn't open the letters. A few weeks ago I noticed the my credit score dropped and there was debt collection from DRS - Debt Recover Solutions. Then I opened the letters found there were debt of {$1100.00} and {$330.00} but I never saw or recognized the service provide nor any information in the letters. 

The weird thing is they know my address and social number so they put on my credit report. 

I called DRS and they verified the date of birth is wrong. They said someone steal my personal information including the social number so they put the debt on me. 

This is fraud. I never use the name XXXX XXXX. I never received medical service by XXXX XXXX XXXX. I look up the service group. It is in NJ. I have lived in CA for more than 12 years. This is ridiculous. 

Please help to investigate this. I don't know how to prevent similar things happen in the future since they already got my identity information.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Incorrect Information Due to Identity Theft and National Breach Request for Deletion/Blocking of inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) I just finished re-reviewing my Equifax Credit Report and XXXX noticed there is a name reporting on my credit report that is not mine. I've never ever in my life went by the name of XXXX XXXX. I've only went by the name of XXXX XXXX. 
This extra name reporting on my Equifax Credit Report is tied to the following accounts listed below : XXXX. XXXX XXXX & XXXX. XXXX XXXX XXXX XXXX XXXX These accounts listed above are not my accounts and my personal information has been compromised from that XXXX XXXX. 

Legal Basis for My Dispute : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c - 2 ), I have the right to request the immediate blocking of information resulting from identity theft. Specifically, FCRA 605B provides that all credit reporting agencies must block any information that a consumer identifies as resulting from Identity Theft within four ( 4 ) business days of receiving appropriate documentation. 

I look forward to a speedy resolution. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I made a purchase using PayPal. They claim to have protections against fraud committed by the merchant. After trying to go through their dispute process they told me too bad you have to pay for it plus interest. The company I made the purchase from had a stated return policy which I tried to follow. They refused to answer any phone or email. Sticking me with the product. PayPal claims to protect consumer from bad merchant behavior. They lie as bad as the merchant.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding inaccurate information on my credit report, which I initially brought to their attention on XX/XX/XXXX. Despite my efforts, I have not received a response from Experian to date. 

The details of the inaccurate information and the necessary corrections are outlined below : The following account was never late : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Request : Please remove the late payment. 

The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Request : Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Request : Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the apparent stall tactics employed by your agency in response to my legitimate disputes under the Fair Credit Reporting Act ( FCRA ), specifically governed by Section XXXX. 

Over the past several weeks, I have submitted dispute letters concerning inaccurate information on my credit report. To my dismay, your agency has repeatedly responded by requesting additional proof of identity, despite my inclusion of a copy of my driver 's license and a recent utility bill with each dispute letter. This pattern of behavior raises serious concerns about compliance with FCRA regulations, specifically XXXX XXXX, which mandates a reasonable and timely reinvestigation of disputed information. 

It is essential to highlight that the FCRA explicitly requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. This reinvestigation is to determine the accuracy of the disputed information and to record the current status of the information or delete the item from the file if inaccurate. 

Given that the XXXX timeframe has elapsed without a resolution, I must insist on a prompt deletion of the accounts in dispute. The persistent delays not only hinder my ability to secure accurate credit information but XXXX also be interpreted as a violation of the FCRA. 

The constant requests for proof of identity beyond what is reasonably necessary not only appear to be in violation of the FCRA but also contradict the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). The CFPB, in its report on credit reporting agencies, emphasizes the importance of efficient and fair dispute resolution processes, aiming to provide consumers with accurate and up-to-date credit information. 

Moreover, the cases of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, serve as legal precedents that underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the FCRA. These cases highlight the importance of compliance with the law and ensuring that disputes are handled in a timely and reasonable manner. 

I kindly request that the XXXX XXXX XXXX conducts a comprehensive and expedited reinvestigation into the disputes I have raised, taking into consideration the information previously provided. Delays in resolving these matters not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA. 

I expect your agency to adhere to its legal obligations under the FCRA and promptly provide me with a detailed response outlining the results of the reinvestigation. Furthermore, due to the elapsed XXXX timeframe, I demand the immediate deletion of the accounts in dispute from my credit report. 

Failure to comply with these requests may compel me to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution.
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. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to LEXISNEXIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They required over 30 days to finish the examination and they guaranteed that they did an exhaustive examination. Anyway, when I checked my report, I saw no progressions made by any means. The false information is still being reported. So many times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Debt collection

THIS IS NOT MY DEBT AND HAVE ASKED TO THE COMPANY TO VALIDATE, DEBT IT NOT MINE. THIS COLLECTION IS TRYING TO COLLECT ON DEBT THAT I DO NOT KNOW OF
Product: Checking or savings account

Chase bank froze my checking account and closed all of my credit cards without justification. They are stating that it has to do with inappropriate contact. If they are referring to the fact that I complained about not being able to book travel on the app and the terrible service I received, that is not a good reason to do this to me. In any event, Chase did all of this without telling me first. As a result, I have no money and I have had payments reversed. There is a ton of money in my account, so nothing should be reversed. My rent payment was reversed. My XXXX credit card payments were reversed. As a result, XXXX has frozen my cards until I can make the payments. Well, I cant pay anything because Chase is holding my funds hostage and they have no right to do that. What they have done is criminal. I am trying to buy a home and this will ruin my credit, especially if my Chase cards are closed and payments are late on my XXXX accounts. I need my money out of that checking account now and I am tired of their executive office call center reps wasting my time.
Product: Checking or savings account

I received a debit card from Wells Fargo in the mail on XX/XX/XXXX. The card had originally been mailed to a Kentucky address. The envelope was returned to Wells by the post office as there was no one by my name at the Kentucky address. Wells then re-mailed it to me at my correct address in Illinois.  Of course it should have been a " red flag '' to Wells when the card was returned to them from the original address.When I received the card, I immediately called Wells to understand why I was receiving this debit card. I have never had an account with Wells or done any business with Wells. My call was directed to the Identity Theft unit. They told me that someone had opened a bank account online in my name using my social security number and birthdate. When I asked how that could happen with out some form of picture ID or signature verification, Wells said that was not needed to open an account online. As a XXXX of a XXXX XXXX XXXX, I know that we require a picture ID and identity verification on all transactions. How can Wells open up and account without a verification process? This should be prohibited by the CFPB and the appropriate banking regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and capital one data breach caused my credit to have th XXXX account ftc that was removed and put back on fcra violation
Product: Debt collection

Portfolio Recovery Associates call stating they are debt collectors. I ask them to verify to debt with the original documents and payment history. XXXX the supervisor told me he couldnt verify the debt. The bought the account and dont have the information I requested.
Product: Student loan

I applied for public service loan forgiveness on XX/XX/2020. I have completed all requirements. Such as 10 years in public service as well as yearly employment certifications. When contacting FedLoan they stated it can take up to 3 months for forgiveness. It has now been almost 5 months and nothing. They state the application has been forwarded to Federal Student Aid. When contacted they provide little information regarding the status of my application.
Product: Debt collection

Complaint and QWR against ServiceLink On XX/XX/XXXX someone filed a respond to my XX/XX/XXXX complaint which implied that this respond was filed by ServiceLink , LLC employee. 
Please state the name of employee who prepared this response, his/her position with the Company and contact information such as mailing address, phone number and email, so I can contact this employee directly. 
The respond further implied that it was filed by ServiceLink LLCs agent, a corporation registered by Fidelity National Financial ( FNF ) lawyer XXXX XXXX on XX/XX/XXXX and operated by FNF employees XXXX XXXX and XXXX XXXX. 
The respond is incomplete, evasive and contradicts with ServiceLink prior respond filed on XX/XX/XXXX also by an undisclosed person. 
First, I asked ServiceLink to state if they knew that their name was being used to assert functions that Servicelink does not perform? Based on XXXX XXXX XXXX respond I conclude that Servicelink knew that their name being used to assert certain function that Servicelink does not perform Second, on XX/XX/XXXX ServiceLink said that it was retained by XXXX to provide a title report to XXXX. I asked if ServiceLink DID provide Title Report to XXXX for which ServiceLink was hired. My question was not responded. 
On XX/XX/XXXX ServiceLink stated that it was retained to perform title related activities. Please state ALL activities performed by Service Link in relationship to my property. 
Third, I asked why my documents need to be returned to ServiceLink AFTER they are recorded in XXXX XXXX instead of returning it to XXXX whose office is nearby ; and that ServiceLink is going to do with recorded documents. My question was not answered. 
XXXX, XXXX agent said that I need to talk to my lender about my modification. I dont know who is my XXXX. Please disclose the name of my creditor under whose authority XXXX hired XXXX to perform title related activities. Please state if XXXX XXXX retention was approved by BONY as XXXX for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC As you know, corporations do not perform any services by itself, without involvement of individual employees. Please state name of XXXX employee who hired XXXX to perform title related activities. 

Preparing XXXX Report for my alleged Servicer is a subservicing activity for which XXXX must be authorized by my creditor and apparently PAID from my mortgage payments to perform this service for someone. Thus, this is subject to RESPA disclosures.