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

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate XXXX  XXXX Bankruptcy Reporting under 15 U.S.C. 1681o ( FCRA Civil Liability ) To Whom It May Concern, I am writing to formally dispute the erroneous reporting of a XXXX  XXXX bankruptcy on my credit report. As per my recent investigation, there is no verifiable proof that this bankruptcy exists or has been validated by the appropriate authorities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, credit reporting agencies have a legal obligation to ensure the accuracy of information reported and may be held civilly liable for willful or negligent noncompliance. 
Furthermore, I have obtained official documentation from the bankruptcy court affirming that they do not verify or validate the accuracy of information reported to third-party services. This proves that the information appearing on my credit report is unverifiable and must be removed immediately in compliance with the FCRA. 
I demand that you provide tangible and verifiable proof that this XXXX  XXXX bankruptcy is accurate, has been properly validated, and is legally reportable under federal law. If such verification can not be provided, I demand the immediate deletion of this inaccurate information from my credit report. Failure to comply with this request may result in legal action against your agency for willful and negligent noncompliance with the FCRA. 
Please respond to this dispute within the legally mandated 30-day period, as required by the FCRA. Kindly send me written confirmation once the incorrect information has been removed. Failure to respond appropriately will leave me with no choice but to pursue further legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal proceedings.

I expect immediate corrective action on your part and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request XXXX and TransUnion credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$79.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX XXXX XXXX XXXX  VA XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine fair credit report act violations : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, 943 past due as of XXXX XXXX. 
Status XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report I noticed unauthorized and fraudulent credit inquiries even after I advised you of identity theft and asked that my credit be frozen by phone call, online and letter. I did not authorize anyone nor give Written consent to anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX XXXX permission to furnish this information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified XXXX, XXXX and Experian on XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 that I am not responsible for the listed account as I am a victim of identity theft. The furniture store in question forged my name on a contract which I did not authorize. I forwarded an identity theft police report number from my local police department, as well as my report/complaint number with the FTC. I also furnished XXXX, Experian and XXXX with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online you have continued to violate my consumer rights. 15 US Code 1108/c-2, that clearly states a consumer reporting agency shall block the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. You are in violation of this law because I am a victim of identity theft!! Please delete these Items immediately from my credit report and as the law advises block the reporting of the information I would hope that XXXX, XXXX and Experian no longer violates my rights and removes and blocks the below account and its information as well as remove ALL inquiries associated with this identity theft. If this information is not removed and my credit report updated within the 4 business days the FCA law requires I will be forced to file a Civil Suit to protect my Federally protected rights. 

Personal Information to be deleted : Address : XXXX XXXX XXXX XXXX NY XXXX Account to be immediately cease and desist reporting, delete and block from reporting : XXXX XXXX Account XXXX Date Opened XX/XX/23 {$4400.00} XXXX XXXX  Account XXXX {$1800.00} XX/XX/23 Inquiries to be removed immediately : XXXX, XXXX inquiry date XX/XX/23 XXXX XXXX Inquiry date XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX  Inquiry date XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23,XX/XX/23, XX/XX/23 XXXX Inquiry dateXX/XX/23 Best Regards, Without Prejudice. All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 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

Transunion sent a message receipt stating that they received my notice of trafficking of person which requires a block within 4 days! Although when I reached out to transunion by phone they stated they havent received my documents! This is misinformation, mis informing, and misleading by sending a l message stating they received my documents and are working on it but havent! Due to the extent of this matter my information should have been updated within 4 days and if there was any additional information needed, I should have been notified within 5 days of them receiving my notice! Im demanding performance of this company in which they keep their obligation and follow regulations set out for them to follow dealing with trafficking of persons. Being a victim of trafficking in persons is a serious crime and the credit reporting agency are making me assessable to more harm and endangerment!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/2020 XXXX XXXXk Account # XXXX
Product: Checking or savings account

On XX/XX/2023, I received a Credit Karma Money Spend account debit card in the mail at my home address with my name on it. I did not open a Credit Karma account. 

I immediately called the number on the back of the card and attempted to find out more information and request account closure. The only option for the phone line was an automated feature that required me to disclose the last 4 digits of my social security number before they would transfer me to a representative. I do not want to disclose any of my personal information to a company I do not wish to have a relationship with. I attempted several times to bypass giving my social security number, and the system is designed to disconnect the call if you don't provide the information, which is what happened. 

I then logged on to the Credit Karma website and attempted to chat with a representative. The representative in the chat advised me that it was REQUIRED that I give her the last 4 digits of my social security number in order for them to verify the account. I explained I didn't want to provide that information and was already concerned that someone had stolen my identity to create this account. I pleaded with her verify my identity another way and she indicated that wasn't possible. I asked to speak with a manager, or if I could have a phone number to reach a LIVE PERSON and she just kept giving me the number for the automated phone line. 

I then asked the representative to provide me with information about how the card works- like is it connected to a bank account at the time of card issuance or is it a card that needs to have funds loaded onto it once received. I was trying to assess how big of a problem I may have on my hands. The representative said she couldn't answer that question until I provided the last 4 digits of my social security number. It was a pointless & extremely unhelpful conversation.

The Credit Karma representative then told me she was ending our " chat '' and disconnecting me- and that I was welcome to reach back out when I was able to provide the last 4 of my social to them.
Product: Money transfer, virtual currency, or money service

A scammer got into account put account negative they close it
Product: Debt collection

On XX/XX/2022, at approximately XXXX XXXX. Pacific time, I received a call from XXXX related to an attempt to collect a debt allegedly owed by my sister. The person on the phone identified themselves as working for Titanium Funds. The call violated 15 USC 1692b, 1692c for the following reasons.

First, the caller identified her employer ( Titanium Funds ) without my " express request, '' in violation of 1692b ( 1 ).

Second, in identifying her employer, the debt collector implicitly revealed that the call related to the collection of a debt, in violation of 1692b ( 2 ), not just because the name of the company itself discloses the nature of its business, but also because Titanium Funds publicly holds itself out as a " Consumer auto lender in Utah. '' Third, the stated purpose of the call was not to collect location information. Instead, the debt collector told me she wanted me to pass a message along to my sister ( whom the debt collector identified by name ). 1692c ( b ), only allows communications with third parties for the sole purpose of collecting location information : the debtor 's usual place of abode, the debtor 's telephone at that place of abode ( i.e., a landline telephone number ), or the debtor 's place of employment. The debt collector did not ask me for any such information. She asked me to communicate a message to my sister, in violation of 1692c ( b ). 

I informed the debt collector that I understood her call was not allowed under debt collection laws and that I would not act as a middleman in delivering messages to family members. I then terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This complaint serves as a cease and desist against National Credit Systems Inc.

To date, NCS has failed to provide any sort of proof that they legally own this alleged debt they are attempting to collect. Furthermore, I was NEVER properly notified of the alleged debt and all I was given was a notice of negative credit reporting due to my failure to make arrangements to satisfy this alleged debt. This is a clear violation of FDCPA and FCRA laws as there is zero evidence that this alleged debt is mine and that NCS can collect on it. NCS has violated several laws and regulations in regards to this alleged debt and I am now asking the CFPB to step in and ensure NCS compliance with my cease and desist as they have ignored it previously.
Product: Debt collection

XX/XX/19 the guy called stating I owe them {$6000.00} for a student loan. The loan was for my sister, whom since XXXX  from college about 20 years ago and continue to pay student loans to this day. However Im receiving this phone calls. I gave the guy her numbers and he stated he spoke with her, but continuously calls my phone for this debt.
Product: Student loan

Was informed many times to go into forbearance with my loan when I was struggling with paying for them. It took me to a point to where I had to claim bankruptcy in order to be in a position to pay for my student loans. I am currently paying on my loans now ... my balance has now exceeded over {$100000.00}. Received loans for my XXXX with University XXXX, XXXX XXXX as well as my XXXX program with XXXX University, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/2023. I reached out to all major credit bureaus asking to correct these inaccurate account. After multiple attempts I have yet to hear back. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.
Product: Checking or savings account

On XX/XX/2021 I was contacted by a person who identified himself as a representative of the Fraud Division of Regions Bank which showed up on my phone as regions bank calling, therefore, I believed that this was a legitimate call and proceeded to follow his instructions which was that fraudulent activity had been detected on my account and in order to stop any money from being taken from my account that he would send me a text message with a 6 digit number that I would relay to him to authorize and assure that he was speaking to the owner of the account. I did exactly what I was instructed to do but was unaware that I was actually authorizing him to withdraw money from my account. I am XXXX years old and on a fixed Social Security Income and {$990.00} stolen from me causes a real hardship. I have attempted to work this with Regions Bank but they believe that I was complicit in the action that took place. How did this person get my bank account number and my phone number which is a cell number which I have only submitted to Regions Bank?
Product: Debt collection

I have been receiving phone calls, mostly without a message, sometimes leaving a vague message, from a company called SIMM Associates. I looked this company up and saw they are a debt collector and they identified themselves as such in a message that they did leave. In those messages they have not used my name or any such alleged account they are collecting on, I know for sure I have never done business with SIMM Associates for them to claim I have done any business with them directly. Maybe they dont even want me but want a prior holder of my current phone number ( XXXX ) XXXX. The fact is, if thats the case they need to cease calling that phone number, and if for whatever reason, it is me they want to speak with, Im not interested in doing business with them or entering any kind of agreement with them, and they have violated federal law in the Fair Debt Collection Act, FDCPA 1692 g, in that they have never sent me a debt validation letter and with their calls they are well over the five day directive to send such a letter so that I can demand they validate the debt. Ive read some rather unpleasant stuff about this company online and have XXXX interest in any relation with them. They should at least explain who they are collecting on behalf of and state specifically who they want to collect from, instead of leaving these vague messages that they are a debt collector.
Product: Money transfer, virtual currency, or money service

As Executrix for the Estate of XXXX XXXX XXXX I filed a distribution request with XXXX XXXX. XXXX XXXXXXXX Account Number is XXXX. I also completed an Affidavit of Domocile. This was completed on XX/XX/XXXX. I also requested copies of statements of the account as well as 1099s in order to file the estate tax return. I could not get XXXX to respond so I hired an attorney. They would not respond to the attorney either so a subpoena was issued by the XXXX XXXX XXXX XXXX, XXXX of XXXX, for account records. XXXX did not comply with the mandatory court ordered date. XXXX claimed the subpoena stated " Any and all account information or date, ... .. ) but did not specifically state " 1099s ''. XXXX ultimately forwarded the statements and 1099s but did not make distributions. 

On XX/XX/XXXX the XXXX XXXX XXXX XXXX issued a court order to make distribution by Friday, XX/XX/XXXX. XXXX failed to comply with the court order. My attorney sent a message on XX/XX/XXXX inquiring about the status of complying the mandatory court order. XXXX has not responded. 

My attorney says the only left to do is to file a law suit. 

XXXX has not right to withhold the money.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts i do not recognize.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian