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

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections accounts listed below due to identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries listed below : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Address never lived no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/year>, I received a letter from RSI Enterprise , Inc., attempting to collect an alleged debt of {$470.00}. I dispute this debt as it is not mine. To address this matter, I sent a debt validation letter to RSI Enterprise , Inc. requesting : 1. Validation of the debt, including a detailed account history and calculation of the alleged amount.

2. Proof of ownership of the debt, such as a bill of sale or assignment contract demonstrating RSI Enterprises authority to collect. 

3. Verification of my liability, including any signed agreements or contracts evidencing my responsibility for the alleged debt. 

Despite this request, RSI Enterprise , Inc. has continued to contact me through phone calls and mailed correspondence without providing any of the requested documentation. Most recently, they called me on XX/XX/year>, disturbing me with collection attempts. These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : -Their failure to validate the debt as required under the FDCPA after my formal written request. 

-Their continued contact and collection attempts after being informed that I dispute the debt and requested validation.
Product: Debt collection

The company ( Portfolio Recovery Associates ) has called repeatedly. The number being called is a cell phone. I've informed them of this on each call and that the do not have permission to call it. Despite this, they keep calling the same number. 

They have also released DOB to me without verification of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a data breach affecting almost 200 million people, admitting to having had inadequate protections in place. In response, Equifax is offering a year of identity protection services - starting next week, and included verbiage in the agreement that negated the consumer 's right to sue ( clearly a XXXX measure ). 

As one of the " big three '' credit reporting agencies, Equifax should have had better data security in place, and should not be removing consumers ' legal options in the aftermath of such a colossal breach.
Product: Credit reporting or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Student loan

My Parent XXXX XXXX for XXXX kid 's college education is now serviced by MOHELA. 
I keep getting statements in the mail ( recent one dated XXXX ) regarding XXXX of the XXXX loans and showing an amount due. ( XXXX ) It shows no previous payments made. 

I have called every other month or so for a year to tell them I am paying on all XXXX loans ( {$770.00} per month ), for the most part we paid even during the halt on payments from the government during XXXX. The person on the phone said they show I am repaying all XXXX loans, and the mailed statements are incorrect. 
I am VERY XXXX that this is not accurate information, and I am uncomfortable with the prospect of potential negative impact to my credit. I do not understand why they are separating some loans out, and afraid they are adding charges as a result. 
I need clarification on the repayment status of my loans and for them to stop sending incorrect statements to me in the mail!
Product: Debt collection

I received a Payment Offer flyer in the mail from Jefferson Capital Systems LLC with payment plan options for an alleged {$970.00} balance that is not mine and that I do not recognize. There is no information on this flyer ( attached ) that states how to dispute the alleged debt. 
This is the only mailing I ever received from Jefferson Capital Systems LLC, despite a sentence on the flyer that states : " Nothing contained in this letter changes, or in any way limits any of your legal rights, including your rights as set forth in our first letter to you about this account. '' There was never a first letter!

Jefferson Capital Systems LLC has reported this alleged debt to the credit bureaus and it has negatively impacted my score by nearly 150 points, yet Jefferson Capital Systems never provided me with information on how to dispute this alleged debt, which is against the law. 

Thank you for your help. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Multiple deposits were made to an account that turned out to be fraudulent. Through BANK of America
Product: Credit reporting or other personal consumer reports

The information is not valid on this credit report is not valid. I hav disputed with company and my dispute status says changed however its still on my credit report
Product: Credit card or prepaid card

For the last 10 years, my wife has gotten her Direct Deposit on the 1st day of the month deposited in he Net Spend account, until Net Spend closed her account in XXXX of 2022 keeping {$230.00} which they have refused to send her or remit to the depositor, XXXX XXXX XXXX XXXX. For some reason or another, they are intent in not sending or remitting the money, knowingly and intentionally causing my wife to be admitted to the hospital where she has been for the last 4 months. My wife has been put through XXXX, I have been unable to be by her side, since I can not afford to drive the 160 miles to see her. Net Spend has caused so much harm to us who count on every dollar to meet and deal with our obligations. Just wish Net spend would meet theirs.
Product: Money transfer, virtual currency, or money service

I had been sent {$25.00} to pay for something. Apple had me verify my identity before being able to accept the funds into my Apple cash card. It asked for my SSN, address, XXXX, etc. I filled them out accordingly, and Apple then made me redo the process XXXX or XXXX times. When I pressed out to see what was going on, it said that my Apple cash card was restricted. I had looked up fixes and called just to get no answer or fix. Many people have reported the same issue which led to " restrictions for life ''.
Product: Credit card

I applied for XXXX Credit Card with Synchrony bank based on promotion for XXXX  % cash back reward. However i only received XXXX  % cash back.
Product: Credit reporting or other personal consumer reports

This is a follow up to CFPB Complaint ID : XXXX that was closed without confirming the requested information was presented by LexisNexis in their original response. 

Complaint ID number XXXX was closed based on Lexis Nexis response stating an inability to identify XXXX XXXX XXXX but LexisNexis Risk Solutions XXXX not provide the identity of the consumer the auto insurance paid their claim in excess of $ XXXX to, nor did they confirm the statement that the auto insurance XXXX denied having coverage for XXXX XXXX XXXX XXXX time the $ XXXX that claim was paid out/issued. 

In addition, Lexis Nexis provided within their letter on XX/XX/2023 for the consumer XXXX XXXX to provide " identifying '' information to them via mailing address : LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This request was honored, as a letter containing identifying information for XXXX XXXX XXXX XXXX to the above address via United States Postal Service XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. This information is attached without identifying personal information to protect consumer privacy of their personal sensitive data. 

In addition, upon learning on XX/XX/2023 that the CFPB closed Complaint ID : XXXX and reading LexisNexis response XXXX the email sent to email address XXXX on XX/XX/2023 by LexisNexis was XXXX to and included an attachment of the content within the XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX mailed on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof that you have on file for the account listed below. 1. Achieve personal loans. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrin
e of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Payday loan, title loan, or personal loan

I see loans on my account i didnt apply for
Product: Credit card or prepaid card

Information shared with Citi : I purchased the product on XXXX XXXX The merchant offers a 30-day money back guarantee ( THEY SHARED THIS POLICY WITH YOU. Did you read it? 

I requested the guaranteed refund 8 days after the purchase. 

Yes, they did nag me to stay, but I told them multiple times to cancel and refund. 

My comment : Citi sent me all of the correspondence, but they didn't read it. If they had, they would see that I followed all of the proper procedures to enforce the 30 day money back guarantee.
Product: Credit card

Company wrote balance off as a tax break. The 1099C has not been sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this negative and inaccurate to appear on MY credit/ consumer report. Please remove!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / XXXX / XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my consumer report from LexisNexis Risk Solutions Group pursuant to the California Consumer Privacy Act and the federal Fair Credit Reporting Act. I received the requested reports from LexisNexis, which were dated XX/XX/2022. I subsequently attempted to exercise my rights under the CCPA by requesting LexisNexis to delete my personal information by filling out a form on their website on XX/XX/2022. In making my delete-my-personal-information request, I provided the very same information that I provided earlier when I requested a copy of my report. In response to my request to delete my personal information, LexisNexis responded in a letter dated XX/XX/2022, that they have been " unable to locate information sufficiently matching your data. '' This is difficult to believe. They had no trouble locating my consumer report when asked for a copy, yet when I requested my personal information to be deleted, they suddenly are unable to locate my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as well as the number of Auto Inquires. 
The address was incorrect on paperwork. The contract was written on and never emailed the actually contract that was asked for.

I have all documents and police reports .....

This is effecting my 3 Major credit finance companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft for the past three years. I have a valid Police Report and I was requesting blocking of fraudulent inquiries ( i.e. applications for credit ) in accordance to FCRA 605B. The customer service representative denied 605B Fraud Block and stated that the investigation has to take 30 days. I asked to be transferred to a supervisor and I was told that the investigations has been filled already, therefore, she is unable to block as per the pending investigation. I specifically requested to have that information blocked in the first place, while the 30 day investigation is pending ( in compliance with FCRA 605B ), however, both the customer service representative and the supervisor were unaware of FCRA 605B Block or they willfully did not comply.
Product: Credit reporting or other personal consumer reports

Company XXXX Credit Bureau : I am a victim of identity theft. there are credit cards and accounts that reported under my credit report, and also name and addresses that does not belong to me, all these are fraudulent accounts that I have no clues off. and need to be removed ASAP OF MY REPORT. THANK YOU FRAUDULENT NAME : XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ACCOUNTS : XXXX XXXX XXXX : {$2900.00} XXXX XX/XX/XXXX XXXX XXXX : {$4400.00} DATE XXXX XXXX, XXXX XXXX XXXX : {$13000.00} DATE : XXXX XXXX XXXX XXXX XXXX  : {$6100.00} DATE XXXX XXXX XXXX XXXX XXXX, XXXX. : {$1100.00} DATE XXXX XXXX, XXXX FRAUDULENT INQUIRIES : XXXX XXXX  XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX I NEED ALL THESE TO BE REMOVED, THESE ARE FRAUD UNDER MY NAME
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 Experian According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but Santander consumer usa wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet santander keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to santander demanding to validate the debt.
Product: Mortgage

I had a mortgage that was paid perfectly for 10 year and was set up on auto debit from my checking account. I changed checking account and the payment was not made for one month. The mortgage company made no attempts to contact me after the 10 day grace period. I know they had my correct phone number because they were constantly calling me to refinance the mortgage in question. I contacted the mortgage company and filed a compliant. They told me that it went to a committee and it was voted to remove this from my credit. It was not removed. I can only assume that they do not call customers about late payments so that they can charge late fees.
Product: Debt collection

Bonneville collections added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was fraudulently obtained in my name from Lending Point LLC.in the amount of {$10000.00}. The proceeds were deposited in my Business checking account. I knew the perpetrator, he was an attorney from XXXX, Africa staying in New York during the pandemic. He told me that it was his personal loan, and since he was not a USA resident he did not have a bank account. I sent the funds to a third party, after he signed a letter of explanation to me stating the funds were his and they were not illegally obtained. 
I realized the fraud when I received an automatic interest payment from my business account. I reversed the payment and declared a fraud account. Lending Point has denied my request to classify the loan as fraud. I have filed a police report detailing the fraud activity.

I have cooperated with Lending Point LLC. The loan was obtained online, also to include a telephone interview on a recorded line. Lending Point admitted they know the persons voice taking out the loan was not my voice, they were different. It was their lack of oversight and overzealous desire to make a loan that lead to this activity, they should admit their mistake and charge the perpetrator accordingly.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX. I noticed someone applied for something in my name. XX/XX/2023 XXXX
Product: Debt collection

Multiple phone calls daily. I spoke with someone once who was very nasty stating they where going to take money from my account. I asked that they send me the info for such debt and to verify that I owe this debt, which I do not, nor do I have any recollection of said debt, the amount stated I owe is {$2000.00}. It has been months and I have yet to recieve any paperwork with the debts info or verifing that this is mine. Still getting harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Acct # XXXX. Opened XX/XX/2013 has violated my rights. 

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

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.