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

FINAL NOTICE PRIOR TO FILING SUIT ON XX/XX/XXXX I have disputed this account with XXXX, XXXX, XXXX, and experian has been dispute several times in the last 120 days with no validation provided to me that this is my account, XXXX wont respond but with an itemized statement. 

The FCT opinion letter does not consider itemized statement to be validation, neither does the courts, it also does not consider 3 party systems as validation neither does the courts its hear say, the only documents considered as validation is a contract or agreement tha has the creditors name, the amount agreed upon and my signature. 

i have all these company 's to provide this document after there investigation if they declare its validated, then XXXX, XXXX and Experian are require by law to provide directly to me the information use to validate account, that includes the person they talk to address, phone number and document provided to them as proof in which neither of these has been done, i believe at this time they are reporting in bad faith and profiting on un-validate account at this time if its not resolve by time i file in court i will not withdraw my suit and the courts will render there decision i will aslo file for {$2500.00} against each credit report company. 
they have till XX/XX/XXXX to validate and provided me with documents for they have had plenty of time to have this proof on hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in XXXX 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my credit
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. 

State of MI XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy # XXXX, has violated my rights 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: Debt collection

I received a credit monitoring alert that XXXX XXXX XXXX also listed as LAW OFFICES OF XXXX XXXX company added a collection account to my credit file on XXXX/XXXX/XXXX. I have never done business with this company nor have I ever signed any contracts, I have absolutely no knowledge of this debt, I never received a letter in the mail, and I have never done business with XXXX XXXX I which is listed on my credit file as the original creditor. I also never signed a contract with XXXX XXXX I. My information has been compromised several times in the past and has caused me a great deal of financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on improving my credit for the last couple years after a bankruptcy. I have open accounts that are paid on time and have verified they are reported to all the credit reporting agencies. Experian for the last 2 years shows I have zero accounts and no credit score of course. I have tried calling them to explain something has to be done on their end. They continue to argue no one is reporting information on me. I explain to them Ive verified information is reported and they must have a problem. They have agents that dont speak or understand English very well. They are argumentative and have hung up on me more than once! And it takes forever to get through to one! Please, someone help me with this matter. Thank you, XXXX XXXX
Product: Debt collection

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off I have tried numerous times to have this situation resolved with no resolutions. 
I C SYSTEM XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
Product: Debt collection

I'm disputing this charge because it does not belong to me and I never heard of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA Law protects from fraud my information was exposed in a data breach, also information put on my report without my permission.and according to the fair credit reporting act 15 USA 1681 iam promised accuracy in my report based on the federal law, and as I can see from the credit bureau system that they can not validate or verified the information that they put on my report without my permission. As a result, this derogatory information is hurting my credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

THIS IS A COMPLAINT AGAINST Equifax ( DEPARTMENT OF FRAUD ) THIS AGENCY CREDIT NOT COMPLY WITH FEDERAL LAW OF FAIR CREDIT WHEN IS VICTIM OF IDENTITY THEFT, like me, on several occasions HE SENT THE REPORT OF POLICE AND YET ACCOUNTS REMAIN IN MY REPORT MY WAY AFFECT OF NEGATIVE CREDIT PROFILE AND XXXX A pOLICE REPORT THAT WERE WITH BILLS XXXX FRAUDULENT AND WITHOUT MY PERMISSION. HOWEVER THIS DEPARTMENT OF FRAUD AND DISPUTES LAW FAILS IN BLOCKING AND ELIMINATE THESE BILLS WHEN IS VICTIM OF IDENTITY THEFT. It is for this reason that I GO TO CONSUMER PROTECTION BUREAU finace, DUE TO NORMAL BY DIRECT CONTACT NO WAY HE HAD EXPECTED ANSWERS AND THE RIGHT AS TO COMPLY WITH SECTION XXXX OF THE FEDERAL LAW SECTION OF FAIR CREDIT. These accounts are : XXXX XXXX I XXXX XXXX. # Account Number : XXXX.
Product: Consumer Loan

they keep calling and calling, II have ASKED THEM TO STOP
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Status : Charged off with a balance of {$2300.00} On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe.

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected. 
3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.
Product: Credit reporting or other personal consumer reports

These finance institutions ran my credit without my consent which is fraudulent. 
Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I did not give these companies permission to run my credit so please remove inquiry or show proof I authorized it.
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 accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit card

I opened a new credit card with Chase ( account ending in XXXX ) in XXXX and got charged a interest fee of {$110.00} on XXXX. 

I did set up auto-pay and I have been a really good customer with chase for years and I never had a late payment. 

Asking this fee to be credited please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of inquiries listed on my credit report. Specifically, I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of the above inquiries and was not made aware of them prior to them being listed on my credit report. I believe that these inquiries were made without my consent, and their presence on my credit report is inaccurate and unjustified.
Product: Credit reporting

I hAve XXXX hard inquiries that I have not done. 
XXXX XXXXXXXX EquifaxSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX while checking my most recent credit report, I noticed 7 hard credit inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card XX/XX/XXXX JPMCB Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a title coordinator with XXXX XXXX, an auction company located in XXXX, North Dakota. In early XXXX of XXXX, we sold a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on auction. 

While attempting to get a title for this XXXX, we discovered that the original seller had traded it in to our seller but there is an existing lien with the Capital One power sports team. We have been attempting to get this lien release from Capital One but have not had any luck reaching the correct department. The auto lien department is deferring to the XXXX XXXX XXXX, however, our seller, XXXX, was told that department no longer exists. The phone numbers we have been provided for the power sports team are not valid or take us to the customer service line which is unhelpful due to this lien not being an active account. 

XXXX and I have both called, emailed, faxed numerous times to get this resolved. All we need is a lien release or a letter on Capital One letter head, signed by a representative stating that : " Capital One NA no longer has a security interest in this asset : a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ''. I also filed several complaints with the customer service department to no avail. I have even searched for and emailed several of their leadership team members with no response or assistance. 

We are extremely frustrated with the lack of closure to this matter and can not understand why it is so difficult to reach someone who can help. 

Any attention you can give to this matter is greatly appreciated, thank you for your time and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Enerbank USA by postal mail, letter dated XX/XX/2022, by USPS Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, USPS Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from Enerbank USA, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with EnerBank USA nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but Enerbank USA is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX   XXXX  {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}
Product: Credit reporting

I was an authorized user on my x-wifes XXXX charge card and never used the account. We divorced last year and she removed me from her account. All XXXX bureaus are still saying the account is valid and belongs to me. I just sent in my Divorce Decree with a letter stating that XXXX did not have me on the account and to remove me. They refuse to. I have called XXXX directly and they are unable to assist because I am not on the account and never actually even received a card. I am at my whits end. My x wife has maxed out her XXXX card and her actions have caused a XXXX point drop in my credit score. XXXX customer service number is XXXX. I spoke with XXXX and she said that there was nothing they could do to assist and that my x wife had called in 4 weeks ago at my request to make sure I was removed. Her email is attached as well. Thank you
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXXl 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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX ) IC sys {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX )