23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt=out of my personal information being reported.I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Product: Debt or credit management

On XX/XX/2023, I sent Truist Financial Corp a payment for the minimum amount due on my balance through mail, in the form of a dividend check ; which they received XX/XX/XXXX. XX/XX/XXXX, they sent me a letter stating that I owe the entire balance of the account. On XX/XX/XXXX, I sent a debt validation letter requesting their W-9, and also DEMANDED that they return my instrument, the dividend check, or else proper authorities will partake in the matter. Their response was simply sending me a copy of every statement I supposedly have since I first started with them ; they DID NOT return my instrument as I requested in my letter. That's where I am at with this predicament.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a XXXX XXXX XXXX. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX  Card ) as an authorized user. She called and did so. I used the card until XX/XX/XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Product: Debt collection

My nature of dispute is that this company placed a medical debt collection on my credit report without proper notice. I reach out to this collection agency, spoke with XXXX XXXX ( Unit Manager ) who was not helpful and very rude. I request this medical debt be removed off my credit report and I will resolve the matter with XXXX XXXX XXXX. XXXX XXXX stated that they did send a letter and called my cellphone, which the letter was sent to an old address and this agency did not leave a message because they stated they are a debt collection. This medical debt is for a person who is covered under New York XXXX XXXX since 2010. Sequium Asset did not follow the Fair Debt Collection Practices Act. Sequium Asset fail to inform me of the debt in writing and notify me of my right to dispute this debt within 30 days. They are illegally placing medical debts and refusing to remove them. The are not properly informing the consumer and they are refusing to remove the debt until payment is receive. XXXX covers these services and this company refused for me to send a copy of proof of insurance.
Product: Vehicle loan or lease

Hello I had a vehicle under XXXX which has been listed as a XXXX back in XXXX that was repossessed in XXXX without notice when I communicated me having a child and was on leave to heal from XXXX XXXX The company wrote off the repossession and did not provide me a 1099C for the sale of the vehicle. I am needing that form. The debt was handed to multiple debt collection companies to try to come after me for the written off record. Yet I have yet to be given the form I was supposed to be getting years ago.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Account Name : [ XXXX ] Account Number : [ XXXX ] Date : [ XXXX ] I am writing to formally dispute the reporting of the above collection account as an " open account '' on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all credit reporting is accurate and in compliance with the law. This collection account being reported as " open '' is not in compliance with FCRA guidelines and is an inaccurate entry. 

Under the FCRA, I request that this collection account be removed immediately from my credit report, as it does not meet the requirements of an " open '' account under the legal definition.

In support of my request, I refer to the following sections of the FCRA : Section 605 ( a ) - Time Period for Reporting of Negative Information This section outlines the time limits for reporting negative information on a credit report. A collection account that is inaccurately reported as " open '' may violate the time-frame restrictions and should be removed if it exceeds the time limits for reporting.

Section 609 - Right to Consumer Report This section gives me the right to request and receive a copy of my credit report upon the deletion of the inaccurate information. Once the collection account has been properly removed, I request that a revised copy of my credit report be sent to me for verification. 
Section 611 - Procedure in Case of Disputed Information Under this section, I have the right to dispute any inaccuracies in my credit report. Once I dispute an item, the credit reporting agency must investigate the accuracy of the entry. If the collection account is determined to be inaccurate, it must be removed. 
I expect this issue to be resolved promptly, in accordance with the FCRA. Please send me an updated copy of my credit report once the collection account has been deleted. Failure to comply with this request will leave me no choice but to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal recourse. 

Thank you for your immediate attention to this matter. Please provide written confirmation that the account has been removed, as required by law. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015 with an amount of {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX. XXXX XXXX : account number XXXX {$6300.00} balance.This account should not be reporting on my credit report. XXXX. XXXX XXXX XXXX balance {$5300.00}. XXXX XXXX XXXX XXXX balance {$3100.00}. XXXX XXXX XXXX : account number XXXX balance {$670.00}. XXXX XXXX XXXX : account number XXXX balance {$1300.00}. XXXX XXXX XXXX  A : account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and permanent deletion of fraudulent accounts, inquiries, and collections appearing on my credit report as a result of identity theft. My personal information was compromised due to a data breach, leading to unauthorized activity that does not reflect my credit history or consent. Specifically, multiple accounts were fraudulently opened in my name, including those with 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 Additionally, unauthorized hard inquiries were made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while fraudulent collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have appeared on my report. In compliance with the Fair Credit Reporting Act, I formally request that all fraudulent items be removed within four business days of receiving this dispute, as mandated by law. I have enclosed supporting documentation, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXX XXXX, and my consumer credit report highlighting the fraudulent items. Additionally, I request written confirmation detailing the removal of these inaccurate accounts, inquiries, and collections. I appreciate your immediate attention to resolving this matter and expect a timely response as required under the FCRA. If further information is needed, I can be reached via email or phone.
Product: Checking or savings account

I suffered from several overdraft fees and insufficient fund fees not any of my fault caused by me. This resulted in closure of my account and causing bad credit. I have retained an attorney to look further into this matter
Product: Debt collection

I XXXX XXXX never entered into a consumer credit transaction with CREDIT COLLECTION Services on XX/XX/2021. I was not expecting a bill on XX/XX/2021. On XX/XX/2021, they sent a bill that is a violation of 15 US Code 1692b. They also used obscene and threatening language that is an attack on my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d.
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 : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Second round of sending in a Victim determination to Experian. 
Round 1 : they " Experian '' claimed the information was not received, however they updated my credit file with my new address, which if not received would not have been available to them.

Round 2 : disputed all accounts, uploaded ( again ) Victim determination from GOV organization, Self Statement with all accounts and Inquires, ID and Current Utility Bill.

Four business days have passed no block on credit...

FCRA states the following : " Credit reporting companies will have 4 business days to block adverse information once it is reported to them and 25 business days to make a final determination as to the completeness of the documentation. 
Second round of submission was business days XXXX XX/XX/XXXX today is XX/XX/XXXX and there has AGAIN been no blockage or removal of information requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. 2024 I made a second request from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX. What the money you say I owe is for. 
2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

9. original signed documents
Product: Checking or savings account

I had recently filed a complaint against fifth third for multiple infractions. XXXX most recent response included a statement regarding a debit card that I discovered, of which I had never seen, activated or was in posession of. Fifth Third stated specifically that the card was issued to me on XX/XX/year> then another cared a week later in XXXX that was completely false. As a matter of fact, XX/XX/year> was the exact date I opened the account. And as far as I know, no financial institution supplies a consumer with a debit card for an account the same day and on the spot of account opening. The card I received in the mail in XXXX, was the only card I ever had for that account. The card they say I got the day of account opening was never given to me, nor does it show even once on a single statement. So how is the reply from fifth third accepted? While consisting of blatant lies. Also, the statements the bank supplied me for the secured card, are missing a great number of months. 
Furthermore, Im told by XXXX ID Theft protection that all the fraud claims against the numerous debit cards that Ive made throughout the years should show in XXXX. Yet not a single one has been reported. Why is this. Wether a fraud claim was denied or approved, the resolution notice from fifth third states specifically that no reports have been made on that account with chex systems.. 
In addition, regarding a recent fraud claim consisting of XXXX charges. I personally spoke with XXXX, and they informed me that they did receive a dispute from my financial institution, but it was under investigation and no decision had been made. This call was the day after I received a notice from Fifth Third stating that my claim had been denied, and they decided the transaction were legitimate. I have this call on recording. So how can my bank deny fraud claims before the investigation with the involved company is completed? 
I have also been contesting a {$3500.00} XXXX outgoing. Ive never wired money in my life..now the bank tells me that they are still awaiting a response from the receiving bank. But if the funds arent available there, then Im out of luck.. Really?! This is using a Federal fund for fraud and embezzlement, and nothing will be done about this? And my money wont be reimbursed? Where is the justice in any of this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX Balance : {$21000.00}
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 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

I am contacting you because of an Identity theft issue on my credit file regarding XXXX XXXX, on XX/XX/2021, I had XXXX XXXX, and it seems that on XX/XX/XXXX, XXXX application was done for XXXX XXXXXXXX, and I was in XXXX. this account has become a charge-off on my credit file and is damaging my credit. I am attaching a FTC report along with my ID and other Identity Information. I would greatly appreciate if this item is removed from my file. 


Thank you XXXX XXXX XXXX.
Product: Debt collection

I mailed a debt verification letter to Radius Global Solutions XX/XX/2023 asking to Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; the date the original creditor claims this debt became delinquent. 
As of today XX/XX/2023 I have not received a response. 

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

XXXX  XXXX XXXX is reporting to Experian an late payment in XX/XX/2021. This mortgage was paid off in full on XX/XX/2021 so the payment could not have been late. I sent verification of payoff to Experian, yet they reported that XXXX declared the info correct. I just need to know how to fix this black mark on my record. Both of the other credit reporting bureaus report no late payments.