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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1.  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I have a XXXX XXXX with XXXX XXXX XXXX and I was cancelled at few days because I was not happy with the service. When I signed on for the service XXXX XXXX XXXX said there was no cancelation fee but at I cancelled they wanted to collect cancelation fees. They now transfer or sell the debt to IC SYSTEMS COLLECTION to collect the money I didn't owe. I paid all my bills to XXXX XXXX XXXX.
Product: Credit card or prepaid card

I contacted Capitol One with a Goodwill letter to remove my one late fee back in XX/XX/XXXX due to family emergencies. My mother was diagnosed with XXXX XXXX and I had to get flights to go help her with XXXX. I spoke with someone from the executive office XX/XX/XXXX who would not help me to remove my late fee. I have never been late before other than this one time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and XXXX has XXXX unknown inquiries on my credit report. I need this resolved immediately
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : 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
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I'm unsure of the reason. While reviewing my credit report as usual, I encountered unexpected discrepancies. I refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Therefore, I request a thorough review of the documents I've submitted to ensure this issue is permanently resolved.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXXXXXX Bank DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Vehicle loan or lease

I have a car loan from Santander Comsumer USA I've never owned a car. can you please help me remove this as soon as possible. it is a big hinder on my credit. Thank you.
Product: Credit reporting 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 and has violated my rights.

Account Name : XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX Account Name : XXXX/XXXX  Account # : XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018 and XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This company is listing 7 accounts on my credit report and I have no knowledge of this company or alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 
Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX 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 written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Resolution Regarding Billing Discrepancy and Suspected Securities-Related Activity Dear XXXX XXXX XXXX XXXX, I trust this message finds you well. I am writing to address a pressing concern regarding my XXXX XXXX XXXX specifically a persistent billing discrepancy where statements consistently reflect a positive balance, even when there is an outstanding balance on the account. 

I wish to draw attention to federal regulations, particularly 15 U.S.C. 1666 ( b ), which expressly prohibits the reporting of late payments under any circumstances. This provision underscores the importance of accurate reporting practices. Concerns arise as it appears that reasonable procedures to verify the receipt of billing statements have not been adequately adopted. 

Furthermore, the absence of a robust system to confirm the receipt of billing statements raises questions about compliance with federal laws, including 15 U.S.C. 1611 ( 1 ), which prohibits creditors from furnishing false or inaccurate information. Any billing discrepancy contributing to a misrepresentation of my financial status may potentially breach this crucial provision. 

In addition to the billing concerns, I wish to address suspicions of a discrepancy in securities-related activity. The observed discrepancy between the reported positive balance and the actual outstanding balance raises concerns about potential securities fraud. This raises ethical and legal concerns, as engaging in such activities could have serious implications.

I respectfully request the following actions to address these concerns : 1. *Thorough Investigation into Billing Discrepancy : * Conduct a comprehensive examination into the billing discrepancy, rectifying any inaccuracies to accurately reflect the current balance. 
2. *Transparency Regarding Securities Trading : * Provide a detailed explanation of any securities trading related to my account and clarify how it may impact my rights to the security interest.

3. *Update Account Status to " Paid as Agreed '' : * Request an immediate update of my account status to " Paid as Agreed '' to reflect the accurate payment history. 

It is my sincere hope that these matters can be addressed promptly and transparently to ensure compliance with applicable federal laws and regulations. 

Your attention to these concerns is highly appreciated, and I trust XXXX XXXX will take the necessary steps to rectify any potential inaccuracies, provide clarity on the observed billing and securities-related issues, and promptly update my account status as requested. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so XXXX XXXX is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXX DPEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Dispute Inaccurate Account Information Dear TransUnion, I am writing to formally dispute the erroneous account information on my credit report. This issue is of great concern as it undermines the accuracy and integrity of my credit profile. 

This raises serious concerns about how TransUnion is verifying this information. 

Erroneous Reporting of Closed Accounts Additionally, the following accounts are inaccurately reported with past-due balances despite being closed : XXXX XXXX ( two accounts with the same number ) Amounts : {$890.00}, {$1000.00} XXXX XXXX Amount : {$15000.00} XXXX XXXX XXXX Amount : {$3700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX Amount XXXX {$1900.00} XXXX XXXX Amounts : {$15000.00} Closed accounts can not legally carry past-due balances. My previous disputes regarding these inaccuracies have been dismissed with generic responses stating, Your information has been verified and will remain on your report, but no proof has been provided. 

Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i, TransUnion is required to : Conduct a reasonable reinvestigation of disputed information when notified by a consumer. 
Provide all relevant data regarding the dispute to the furnisher of the disputed information. 
Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving the dispute. 
Since these accounts are being inaccurately reported and TransUnion has failed to verify the information, I am requesting immediate action to resolve these issues. 

Actions Requested Provide Proof of Investigation : Supply verifiable documentation of how the disputed information was investigated and verified. 
Delete Inaccurate Closed Accounts : Remove the inaccurate accounts from my credit report. 

If TransUnion fails to address these concerns, I will escalate this matter by filing further complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action to enforce my rights under the FCRA. 

I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit card or prepaid card

Last year in the year of XXXX in XXXX I noticed that my credit card was not being reported. Capital one verified that it wasnt being reported and I spoke with someone from XXXX XXXX who then went and removed the credit card off my credit report all together. Im making on time payments and it is not being reported because its not on my credit anymore. I have two credit cards with the company. It would be the account opened in XXXX.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting 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 : Account Name XXXX XXXX  XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX has no late payments/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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 card

XXXX XXXX I didnt apply for credit card.thats not even my address and wrong state. I dont how this came back verified but this needs to be investigated again. Not my correct address or telephone number. I have freeze on my credit as a result of this. And wrong telephone number
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Back in 2017 I had my identity stolen and they charged a Paypal account using my information. From the account, Paypal sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called XXXX XXXX, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.