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

I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX  Account Number : XXXX Fraudulent Inquiries : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution. 

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

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

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Product: Debt collection

809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say I owe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor : * Prove the Statute of Limitations has not expired on this account : * Show me the you are licensed to collect in my state : * Provide me with your license numbers and Registered Agent or Agent of Service - **Reporting** : The 1099-C form must be sent to both you and the IRS. The form reports the amount of debt forgiven, which you generally must include as income on your tax return unless you qualify for an exclusion Section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ) requires financial institutions to file a 1099-C form with the IRS when a debt is canceled or discharged. This form is used to report the cancellation of a debt of {$600.00} or more to the debtor XXXX XXXX, like any creditor, is required to issue a Form XXXX to you if they cancel or write off a debt of {$600.00} or more. Here are the key points : - **Debt Amount** : If XXXX XXXX XXXX XXXX a debt amount of {$600.00} or more, they are obligated to send you a Form 1099-C to report the canceled debt as income to the IRS.

- **Identifiable Event** : The IRS specifies certain " identifiable events '' that trigger the issuance of a 1099-C. These include the creditor 's decision to discontinue collection activity and discharge the debt, among other events like bankruptcy or foreclosure.
Product: Credit reporting or other personal consumer reports

I'm writing to you because I have tried several times to contact XXXX XXXX XXXX  to get this fixed to my understanding per15 usc 1681 ( a ) 2 ( A ) ( i ) that my consumer reports should not solely contain information to XXXX and XXXX between me the person and XXXX the company further more I have requested that I be provided in writing the reasonable procedure according to 15 usc 1666 b that you adopted to ensure that each periodic statement is mailed to consumer not later than 21 days before payment due date and all information required under 15 usc 1637 ( b ) title 15 and since they have not provided this information I demand this be updated to paid as agreed with no late payments reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a TransUnion account a few months ago. After filing dispute, I am no longer able to login as if my account doesn't exist. I have suffered adverse actions and now can not get a place to live due to TransUnion locking me out of my account along with reporting inaccurate and fraudulent information. A proper REINVESTIGATION has not happened.
Product: Debt collection

First of all I am very grateful that State Farm responded about my identity theft case, but I have to make another complaint against State Farm. I understand that you tried to call me but I was outside the country so I couldn't respond but since yesterday and today I have called up to 5 times and all have lead to voicemail, I have left messages and nothing. But I don't understand why you give up after only two unanswered phone calls, either way what is there to talk about? I am a victim of identity theft and many negative things have happened to me because of it, there is nothing to elaborate. Do you not want to make the dispute or remove it, what is it? This accounts are not mine and never were I have no idea about any transactions with this account because this account is not even mine, end of story. I have made police reports, FTC reports, FTC affidavits, etc. I have done everything I can do as a the victim, all the information that is needed I will leave in this complaint. All the information needed that I can give is going to be and has already been given. 

The following documents will be attached : The police reports FTC report FTC Affidavits Letters of blocking requests
Product: Credit reporting or other personal consumer reports

XXXX shows up on my XXXX XXXX as being NOT Paid/Paid LATE. I told XXXX to tell XXXX, XXXX, and Transunion to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY CREDIT SCORE IS DAMANGED. THEY NEED TO REPORT TO ALL 3 AGENCIES NOW TO REMOVE.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i sent a dispute for a account that was removed from a dispute XX/XX/XXXX ( report id # XXXX ) but was illegally reinserted on XX/XX/XXXX.i sent another dispute on XX/XX/XXXX to fix this issue but all you did was send investigation results back saying you updated account information not removed my account. it was illegally reinserted because after the reinsertion I was supposed to be notified of reinsertion of the alleged account within 5 business days after reinsertion according to 15 usc 1681 ( 5 ) ( b ) which states : " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' it also states the grounds for reinsertion : " If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. '' now the account should have never been reinserted in the first place but not only was it reinserted you reinserted the account with brand new information which is a direct violation of this federal law. it says a account can only be reinserted if the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. You reinserted the account with no notification to me in writing, as well as creating brand new information on the account then a week later on XX/XX/XXXX you changed the information back to the old information that was on my dispute to make it look like you were in compliance with the law but your not. The documents attached to this dispute are listed by dates on my credit report and support my case, XX/XX/XXXX the balance read {$4200.00}, XX/XX/XXXX the account was removed because of the dispute, XX/XX/XXXX you reinserted the account with a balance {$5000.00}, XX/XX/XXXX you changed the balance back to {$4200.00}. i demand you re-remove this account for breaking 15 usc 1681i ( 5 ) ( b ) by reinserting a account without giving me a notification in writing and furnishing brand new account information then changing it back to old information.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against XXXX, Equifax, XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XX/XX/year>, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that XXXX, Equifax, XXXX continue to furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by XXXX, Equifax, XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, XXXX, Equifax, XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, Equifax, XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

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

XXXX XXXX Auto XX/XX/XXXX XXXX Auto XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally financial XX/XX/XXXX
Product: Debt collection

On XX/XX/21, I submitted a dispute to CMRE FINANCIAL SERVICES. As of todays date, I have received no response from CMRE, therefore you must delete this from my credit report and remove this debt per the FDCPA and FCRA. This balance needs to be closed as I have disputed the bill and have not been given the required information to confirm this debt. If you do not, I will pursue further action to the fullest extent possible.
Product: Checking or savings account

On XX/XX/2022 an ATM/Withdraw was done suing my debit card for a total amount of {$1000.00} by an unknown individual. i called WellsFargo advised them it was not me and they canceled the card and shipped out a new one. after i received a letter in the mail stating in they had denied my claim i filed a police report, i was contacted by the detective who showed me the ATM video shots and clearly it's not me but the bank refuses to release the video or refund my money back. 

XXXX Police Dept Police Report # XXXX Detective XXXX  Pnone # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XX/XX/year>23 XXXX XXXX XX/XX/year>23 XXXX XXXX  XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : 1. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I uncovered inaccuracies in certain sections. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), it is mandated that the three credit bureaus validate these accounts ( A ). Failing to validate these reported accounts within the legally stipulated timeframe without substantiation is impermissible. The erroneous information on my credit report that requires investigation and rectification includes : 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

I am filing the complaint to remove inaccuracies from my credit report with Equifax.
Product: Debt collection

This complaint bears on my previous complaint no. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) presented the same response that Fair Credit and Outsourcing ( FCO ) has presented to the Consumer Financial Protection Bureau ( CFPB ) to the banks that issued the credit cards and lost its cases simply because the rental application I signed is void as a matter of law. The application was rendered void because XXXX failed to disclose certain material facts it was required to disclose at the time I signed the application. Both the banks that issued the credit cards agreed with me and credited back the disputed amounts. 

Having been unsuccessful in convincing the banks, XXXX is now attempting to use FCO to convince the CFPB. In its response to my previous complaint, FCO did not address the issue of whether XXXX failed to disclose certain material facts when I signed the rental application, a failure that renders my application legally void. The facts that XXXX failed to disclose but that I came to know after signing the application are known to XXXX XXXXXXXX should have conveyed the nature of the credit card disputes to FCO, but it did not. 

In essence, the application I signed is legally void and I do not owe any debt to FOTA or FCO.