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

I repeatedly asked for evidence from XXXX, XXXX, and Experian to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ).  Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.
Product: Credit card or prepaid card

I had 13 transactions on XX/XX/2021 that happen back to back between XXXX to XXXX all adding up to the amount of XXXX XXXX I had no knowledge of these transactions as soon as i came across my balance i immediately contacted Cashapp support by email and i was contacted over phone i explained everything and was told there isn't a direct phone number so it would be resolved by email so i waited for an email and i responded back with all the screenshots and information about the transactions that i needed to dispute they said once the transactions went from pending to complete is when it could be refunded they told ne to just be patient slowly a month went by and kept emailing and reporting the transactions and still nothing a month later i need help to get my money back
Product: Debt collection

This is not my account. I 've disputed it and contacted this company several times since XX/XX/XXXX up until XX/XX/XXXX they did n't respond most of the time and the few times they did they stated it was valited but could not provide me a True validation with a signed contract. Anyone can get someone 's name, address, and email address. I want a TRUE validation with a signed contract!
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : XXXX Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
XXXX XXXX is not registered in XXXX, they are not authorized to collect debts from XXXX  residents
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, XXXX XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX XXXX   XXXX OHIO XXXX XXXX XXXX 2.XXXX  XXXX BANK XXXX XXXX # XXXX 3.XXXX XXXX XXXX   # XXXX 4.XXXX XXXX # XXXX 5.XXXX # XXXX 6.XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX -- XXXX  I DID NOT GIVE BANK OF AMERICA PERMISSION TO OBTAIN MY CREDIT REPORT 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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXXXXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont belong to me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX XXXXXXXX account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding a serious issue involving my credit file. My personal information was compromised in a data breach, resulting in identity theft and fraudulent activity reflected in my credit report. Despite previous attempts to address this issue with you, it has not been resolved.

Additionally, I am a survivor of human trafficking as defined under 15 U.S.C. 1681c-2 ( a ) ( 2 ), which provides special protections for survivors under the Fair Credit Reporting Act ( FCRA ). This mandates the removal of fraudulent information and accounts linked to such circumstances.

Under the provisions of the FCRA, I am legally entitled to have all fraudulent accounts and inquiries permanently blocked and deleted from my credit file. I have outlined the fraudulent accounts and inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To assist with your investigation, I have included the following documents : A copy of my government-issued identification. 
A copy of my Social Security card. 
A utility bill as proof of address. 
A copy of my FTC Identity Theft Report. 
Let me be clear : I expect these fraudulent accounts and inquiries to be permanently removed from my credit report without further delay. I do not consent to my personal information being disseminated or processed through secondary bureaus or other third-party agencies. Your sole focus should be on blocking and removing these items from my credit file as mandated by law. 
Failure to comply will leave me no choice but to pursue legal action. I am prepared to seek statutory damages of {$1000.00} per item if this matter is not resolved promptly and in accordance with federal law. 
I also demand written confirmation once this process has been completed. Should you require any additional information, contact me immediately at the phone number or email address provided. 
This is your final opportunity to address this matter appropriately. I expect full compliance within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased from XXXX for tickets to XXXX XXXX XXXX XXXX on XX/XX/XXXX while on vacation for 4 families for {$650.00} using Chase Freedom credit card. I went online at XXXX XXXX to purchase the XXXX adults and XXXX children tickets. We didn't leave XXXX CA until XXXX XXXX  and I still haven't received my tickets. As we drove down there, I continued to monitor my email inbox and junk mail and still don't see any confirmation email. We stop to get gas, and I try to call XXXX at XXXX XXXX. The wait was long, so I leave a call back number. We went to the zoo to meet up with the other families. As we wait in line to get the ticket since I think there is something is wrong with there system because I bought tickets from them before and got it instantly. They did not give me a call back until we were already in the park at XXXX XXXX. As I spoke with customer service on the phone, I ask if I can cancel it because I'm already in the park, and it was their system error. She told me the ticket is final, but I try to tell her that I'm on vacation and doesn't live in XXXX XXXX, CA. At XXXX XXXX, she sends me the ticket. I call Chase the same date to put in a dispute, but they unable to do it since it's pending. 
I call Chase again on XX/XX/XXXX to put in the dispute and explain the same as the above. They told me that since the website mention all sale is final, so the ticket is valid. This is the second time I have a similar issue with Chase. The previous was luckily resolve by XXXX  stepping in to help because of the seller using deceptive description. I felt that all my consumer right using the credit card is gone since they put a phrase of " All Sale are Final '', and I can't use the dispute quality good/service for online. 
I have attached the call and the time I bought the ticket at the location and the call history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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

COMPANY CONTINUE TO HARASS PHONE CALLS/ NOTICE AND DEMAND PAYMENT {$6300.00} ON ACCOUNT NOT MINES/ OVER CHARGES OF FEES..COMPANY VIOLATES FCBA AND FDCPA ; 1692d, 1692f, 1692g
Product: Credit reporting or other personal consumer reports

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

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

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

I recently reviewed my credit report and seen accounts that were not reported accurately. Experian reported that I had eight missed payments with an account that is paid on time. This consumer reporting agency need to report all information with complete accuracy .This account has not been late on payments. I have attached a copy of my report on the following dates. XX/XX/XXXX XXXX, also XXXX and XX/XX/XXXX I am now requesting that you investigate and provide verifiable proof with records showing that I had been late if this information cant be verified, I demand that these payments be updated to paid on time immediately.
Product: Credit card or prepaid card

The XXXX card was processed by XXXX  XXXX XXXX. Last month the processing was changed to a company called " Comenity ''. The card does NOT work everywhere. I was embarrassed at The XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX just in the last 2 days. 

Both XXXX and Comenity said that is the way the new card works. It is only working if the terminal of the vendor uses the " CHIP '' technology. 

This was never given as a warning to all customers, and I think it is a very bad customer service issue for all. 

Thanks for any assistance.
Product: Credit card

On XX/XX/2023, a purchase for XXXX XXXX via my Chase Amazon Prime Card was placed. The value of this transaction was {$240.00} via Amazon.com. When I received the product it was already opened and not what I ordered. I returned the product to Amazon, but they would not return my money. I opened a dispute with Chase and they worked with Amazon and came to a conclusion that the " product was not the same. '' I was not able to reopen the dispute. I had no other option to since my credit card company would not support my case.
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. 
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 XXXX 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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$400.00} ; XXXX XXXX  XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  : {$360.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Is XX/XX/2022 I was moving and needed a credit report for new landlord. 
I began being charged {$22.00} a month from Experian. I tried to call to cancel there is no customer service phone number. I tried responding by email, no response. I contacted my bank, XXXX, they told me various things in my many phone calls. If chase aggreed and credited me 2 months and cancelled the debt. Experian would reverse the credit and continue charging me. What did i need to do to cancel they must have known i was trying to cancel. EVENTUALLY, I got a XXXX representative who knew what to do and was able to cancel my subscription. She also credited me 2 monthly chareges because she was able to read notes on my account and see that i had tried to cancel this action. Experian reversed the 2 month credit and sent me an email that i was now on the free membership. I want nothing from them!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification that a Collection was placed on my XXXX Credit Report. " XXXX '' put this collection of {$560.00} on my XXXX and TransUnion Credit Reports as well. 

I have not spoken to anyone from XXXX in person, via phone, written correspondence or by electronic communication about this debt. Nor have I received a Validation Notice. 

I sent a letter stating my rights under FCRA 15 USC 1681 to XXXX, XXXX, and TransUnion requesting the removal of this item, to no avail.