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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX & XXXX XXXX
Product: Student loan

My private student loan through Citizen 's bank has been deferred since I have been in school full-time prior to all of this ( XXXX ), but I wanted to make a payment to keep down the interest. In XX/XX/XXXX, I used my stimulus check to pay on my student loan ( {$1400.00} ) with XXXX 's, while still in deferment. Then on XXXX of XXXX, I was notified by XXXX XXXX that both my student loans had been sent to collections as a charge off for bad debt because I did not pay for 6 months. They were still in deferment at this point and I didn't think that was possible, so I called Citizen 's and they informed me that regardless of the status I needed to pay $ XXXX now or they couldn't help me. When I asked, " This would have never happened had I not made that payment in XXXX. '' He replied, " I can not answer that. '' I reached out to a non-profit who helps individuals deal with loan companies, but they were only able to advise me to contact the collections through mail only & keep records of all external contact with them in case they try to break the law. 
On my 3 credit reports, each total for these loan balances are different and some even note a {$0.00} balance. I have 4 accounts total on my credit report for XXXX student loans. 
Having 2 accounts open on each loan has created an even greater derogatory mark on my XXXX XXXX ( 1 showing a balance & XXXX {$0.00} ), which has left me questioning what is really my total balance given the different info at every turn. The collections has also given my XXXX XXXX a hit and I am now dealing with both XXXX 's & a collection 's agency for the same problem all while not making an income. 
This morning ( XX/XX/XXXX ), I received an email from XXXX stating that SOMEHOW my loan is back with Citizen 's & now I need to start paying them $ XXXX starting XX/XX/XXXX, when I'm still a full-time student & should have never been taken out of deferment to begin with & no reparations for the irreparable damages done to my XXXX XXXX or the collections agency who is still trying to collect on the $ XXXX themselves.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have previously sent in a complaint on this matter and it was never resolved. NCB Management failed to notify me of their intentions to collect on a debt on behalf of   XXXX   XXXX   for an auto loan on a car I voluntarily surrendered in 2012 I believe. NCB Management said in the complaint response that notification was sent to an address listed on my credit report which never belonged to me and I made them aware of this in my complaint. I have searched the Florida Office of Financial Regulation and NCB Management is not licensed to collect on a debt in Florida.
Product: Credit reporting or other personal consumer reports

I have reported fraudulent activities on my credit reports and see that a fraudulent account was opened with capital one bank and had a low available balance when opened without my knowledge in XX/XX/year> and in XX/XX/year> the fraudulent account was closed and has a negative balance of {$1000.00} I repeatedly called after receiving multiple alerts from the credit monitoring service I was using at the time I requested several investigations of identity theft and fraud I have submitted police reports that I filed identity theft I have offered to send in my drivers license a copy of my signature and also a photo validating that I never opened any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the late payment from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
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 XXXX : 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 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 EXPERIAN 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 or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



These are the actual accounts that are inaccurate, 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX Experian, 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I received a payment in my PayPal account for a item I sold for {$370.00}. PayPal promptely put a hold on the funds for 21 days. On XX/XX/2018 the money was realeased to my PayPal account. On the same day I transferred the money into my checking account at XXXX XXXX. I was then told by PayPal there would be another 24 security hold before the money was transferred. Today XX/XX/2018 the money was still not in my XXXX checking account and my PayPal account is showing a XXXX  balance.I called PayPal and was told that the money was in a clearing house and it would be another 5-7 business days before it would get to XXXX XXXX. We are now looking at at least a month to get my money. And PayPal keeps changing the story. Since the money is not showing in ether account, I can only conclude it was stolen by PayPal.
Product: Debt collection

I asked for an explanation on what this alleged account balance is for. 

I asked for a calculation of this balance, including the complete payment history on this account so i can prove the amount. 

I asked for documentation that shows that I agreed to pay this debt I asked for the agreement that grants them the authority to collect this alleged debt. 

And I asked for there state license and license number to prove they have jurisdiction in my state.
Product: Debt collection

My credit score dropped by 35 points in XX/XX/2018 and when I checked my credit report it was because of Perfection Collection. They say I owe a debt of {$3700.00} to XXXX for an alarm system that I never ordered. It was a family member that ordered it. I was never told about this debt in time to dispute it and also, it is not my debt. I filed a dispute with the credit reporting agency ( XXXX XXXX ) and I also have a problem with how they handled the situation. All XXXX XXXX did was contact Perfection and asked if the debt was legitimate. Of course Perfection said it was legitimate, surprise surprise, so it was left on my credit report ( what type of shoddy investigation work is that? ). 
I then called Perfection myself and asked them to show me proof that I signed a contract with them. They sent me a typed document with my signature XXXX  at the bottom but, it was in the area for correspondence only. In other words, they wanted to let their affiliates contact me so they had to ask my permission. No problem but, it was for correspondence only and not for signing the contract as the owner. They have the real owners email address and they were sending correspondence to him as they should, not me. 
All of the paper work is XXXX up. The wrong names are in the wrong places and it is costing me. 
Also, we have a completley different document from what they showed me and our document is hand written. Actually it is not even a contract, it is statement of the services they will provide. We do not have a copy of a signed contract because there wasn't one. 
I do not know why but, the sales person wrote mine and my mothers name, ( who, was not even present ) in as the customerr ( I still don't know where he got my mothers name from ). He wrote in the name of my brother, the actual owner, underneath our names as the owner which is correct. 
The contract they sent me has my name typed on it ( not printed by my hand ) and a signature that is not mine ( that is fraud, forgery ). It seems they typed my name and then changed the font to something a little more fancy but it is still not my signature and it does not look like my signature, which I can prove. 
It has been 11 months since this hit my credit report ( XX/XX/2018 ) and I am still fighting with this. 
I need someone that can get this removed. 
The documents I am up loading come with an attached instruction sheet that explains what I am talking about. 
I thank you in advance for your prompt attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting XXXX XXXX they were no help I just want it removed from my history because it wasnt my transaction.
Product: Credit reporting or other personal consumer reports

The account is over XXXX XXXX XXXX and need to be removed from my credit file by law.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX XXXX XXXX  I must emphasize that I never gave permission for this information to be associated with my name, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items on all 3 credit bureau XXXX deleted them all but XXXX and Experian have a few still on there and wont remove them off.
Product: Credit card or prepaid card

This is a company which I was reported to the Bureau two months ago and once again who uses all the power to mess up my personal record. on XX/XX/XXXX this year I filed a complaint against Discover credit card and Discover company did not respond to my complaint and discover credit card ignores me, Discover file another wrong report to the credit bureau because of all these I believe for the last two years I have cheated by discover credit card and probably the purchase and the billing were wrong so therefore, I ' m asking for the bureau to have a broad investigation to Discover credit card for abuse of trust. One more time if any of the info was wrong I would like to ask the bureau to step in and solve this issue. I think Discover credit card abuses the power and consequently discover board destroyed my character and put me into a situation where I can even get a job.
Product: Credit reporting or other personal consumer reports

Company sold account but had already been paid, new company wont remove themselves after several attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602, States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2, States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

I have been unable to log into my account for over a year to make payments or manage any of my personal info on my account. 

I have spoken with support countless times and even received a call from a company representative. I am able to verify my identity on the phone, manage me account via phone, pay my bills via phone, but have been denied access to my online account and am refused a password reset link be sent to my email that is registered on the account. 

This makes account management extremely difficult and I've accumulated fees almost every month this past year. 

I also receive harassing calls from XXXX until XXXX from Citi almost 3 or 4 times a day if my payment is a day past due. 

Citi refuses to send me a password reset link after I've gone through the process of verifying my identity via phone with my SSN and other personally identifiable information such as address, phone number and email.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a collection from XXXX XXXX XXXX was put on my credit report that dated back XXXX XXXX, XXXX. This is not my collection. I do not have a contract with XXXX XXXX XXXX. I demand that this collection be removed immediately. 
On XXXX XXXX, XXXXXXXX XXXX XXXX XXXX was put on my credit report. This is not my collection. I do not have a contract with XXXX XXXX XXXX. 
I demand that this collection be removed immediately. 


You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. 
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation.