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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried sending my personal Information to XX/XX/XXXX as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have provided XXXX with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed XXXX letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.
Product: Credit reporting or other personal consumer reports

In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX since I cancelled. 
I requested numerous times for XXXX  to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over XXXX points! 
I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of a fraudulent account currently reported on my credit report. This account was not opened by me, and I believe it to be the result of identity theft. I request that you investigate this matter and remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX  Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am exercising my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 

Identity Theft : This account was opened fraudulently using my personal information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have contacted Great Lakes Servicing repeatedly over the last year, asking for assistance in determining the monetary forgiveness amount in my eligibility for the Federal XXXX Loan Forgiveness program. 

Studentaid.ed.gov specifically states to direct all questions relating to XXXX Loan Forgiveness to the servicer of the loan. 

XXXX XXXX qualify for {$5000.00} in federal forgiveness, while XXXX XXXX who XXXX Math or Science can receive {$17000.00} in federal loan forgiveness. My previous co-worker, XXXX XXXX, also a XXXX XXXX science XXXX, directed the same exact question that I have t ( are we XXXX or XXXX   XXXX ) to his loan servicer ( XXXX XXXX XXXX ) and received an immediate response. XXXX XXXX was able to complete the federal XXXX application and was awarded forgiveness of {$17000.00} in XX/XX/XXXX. I have attached a copy of the email response from XXXX XXXX XXXX stating that XXXX was eligible for the {$17000.00} forgiveness amount because he XXXX XXXX, XXXX, and XXXX grade in a XXXX district. 

I worked for the same XXXX  district as XXXX from XXXX ( XXXX XXXX XXXX ). That district wants to certify me as XXXX science on the XXXX Loan Forgiveness federal application because of the email from XXXX XXXX XXXX. My current district ( XXXX XXXX ) of which I have XXXX XXXX and XXXX grade computer science/stem classes for the last 4 years, is not sure how I should be certified on the federal XXXX Loan Forgiveness app, so you see, I can not consult my chief administrative officer for an answer. I have been filing complaints against Great Lakes for over a year as I am unable to complete a XXXX Loan Forgiveness application without their clarification. 

I have not received any assistance or solutions from Great Lakes. Instead, they continue to accrue interest on my loan and state, we have not received a completed XXXX loan application. 

I have received numerous contradictory responses from Great Lakes over the course of the last year. Their most recent response " Great Lakes is unable to determine whether you qualify as an XXXX or XXXX XXXX. Your Chief administration Office must certify your qualifications. As of XX/XX/XXXX, Great Lakes has not received a XXXX Loan Forgiveness Application from you. '' I can not complete a XXXX application to send to Great Lakes until they make the determination of XXXX or XXXX XXXX, just as the other federal student loan servicers are doing for their customers!! 

I called the Ombudsmen group to dispute the latest response from Great Lakes, just a few days ago. The Ombudsmen rep directed me to the Illinois XXXX XXXX XXXX XXXX, claiming that the state should decide my eligibility. I have included the email I received from XXXX. The State can not determine eligibility in XXXX XXXX XXXX   XXXX because it is a federal program! The State has its own program but I can not apply until the federal application has been processed by Great Lakes. I can not complete and submit the federal application to Great Lakes because I XXXX at 2 XXXX over the course of the last 5 years and neither XXXX is in agreement with the federal classification of XXXX or XXXX   science.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Vehicle loan or lease

We refinanced our car loan from Bridgecrest XX/XX/XXXX Our new car Loan XXXX XXXX confirmed payoff proceeds were sent to Bridge Crest. I called Bridgecrest this morning XX/XX/XXXX, was placed on hold for XXXX minutes ( XXXX XXXX ), the rep advised me she checked with Accounting and there was no payoff received. 

The XXXX payment due to Bridgecrest was XX/XX/XXXX, on XX/XX/XXXX we received an intent to cure/reposses letter from Bridgecrest advising XXXX had until XX/XX/XXXX to make the payment of {$780.00}. See the letter attached. We are not XXXX late and Bridge Crest is sending an intent to reposs letter... 

We called our new car loan company back, XXXX XXXX XXXX XXXX back and they provided tracking number XXXX XXXXXXXX and copies of the payoff checks for the car loan. 

It is absolutely insane for Bridgecrest to send intent letters to reposses to a consumer who provided them with all pertient information to support the payoff of the car loan, via date of payoff checks, dollar amounts and the date the checks were cut. But yet, we continued to receive collection text messages and letters to collect. Is this not a violation of the FCPA LAWS. If a consumer tells the company there is a payoff forthcoming based on an approved car refinance, you would think Bridge crest would stop all collection activities.NO NOT Bridgecrest they have the worst collection practices ever. Attached are the payoff checks with tracking to Bridgecrest.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX $ XXXX Email- XXXXXXXX phone- XXXX I was recently a CASH APP Customer for over two years. They deactivated my account for whatever reason. In the midst of my account being deactivated I received a returned payment from a purchase I made at XXXX XXXX XXXX Clothing store.

XXXX XXXX XXXX returned my funds back to cash app XX/XX/2019 in the amount of {$370.00}. Its been over one month and I have not gotten my funds. I wrote them and they stated it takes up ton 10 days but its been well over yen days. Ive been sending emails daily with no response about my refund.
Product: Prepaid card

Purchased card and discovered after purchased it had been used. There were no obvious signs of use. Called company to report the fraudulent use of their card. They have done nothing to make us whole despite numerous attempts to work with them.
Product: Debt collection

ACCOUNTS ARE STILL ON MY CREDIT REPORT AND HAVE NOT BEEN REMOVED. 
ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX   AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by TransUnion, XXXX, and XXXX, including the original sources of such information. 
Under XXXX XXXX XXXX  XXXX, I have the right to request a copy of my credit report from TransUnion, XXXX, and XXXX, which I have reviewed for accuracy and completeness. 
I assert that TransUnion, XXXX, and XXXX are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, I believe that the practices of TransUnion, XXXX, and XXXX violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to TransUnion, XXXX, and XXXX, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that TransUnion, XXXX, and XXXX cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased my car new in XX/XX/2014. I was in immediate need of a car. The payments were always high ... .but the need was great. I had to commute to work. 
I have tried several times for a change in interest rate or a refinance. When I make a payment almost half at times goes to interest. The principal barely moves. 
the car new was market price of approximately 22k. I now owe XXXX more on the car. I still make the monthly payments with much going to interest. I feel as if I walk away ... I am the XXXX. My credit score tanked because payments to them have been so difficult because my financial situation had changed. 
This bank is the worst. I get calls and they will say to me ... 
Is the tow truck in front of your house? They once took my car when I had made arrangements to pay them. I told them my checks come at the end of the month. They took the car right before the date. ' Capital One bank is predatory in nature.
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX below.
Product: Credit reporting or other personal consumer reports

I have reason to believe that Experian has violated the provisions of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws as outlined in the CFPB 's lawsuit against them. Specifically, I am concerned about the following issues : Failure to Correct Inaccurate Information : [ Describe any inaccurate or outdated information on your credit report, such as incorrect account balances, payment histories, or unauthorized inquiries. ] Failure to Investigate Disputed Information : [ Explain if you previously disputed any inaccurate information with Experian and they failed to thoroughly investigate or correct the issue within the time frame required by law. ] Failure to Provide Required Notices or Disclosures : [ If applicable, mention if you did not receive required notices or disclosures, as mandated by the FCRA, after disputing the information. ] Failure to Provide Accurate and Complete Information to Creditors : [ Explain if any of the information provided to your creditors or any third parties was inaccurate due to Experian 's actions. ] Given the CFPBs ongoing enforcement actions against Experian for violations of consumer rights under federal law, I request that this dispute be handled with the utmost urgency. I am seeking : A thorough investigation of my credit report, in line with the legal requirements established by the FCRA. 
Immediate correction or removal of any inaccurate or unverifiable information on my credit file.

A written response detailing the outcome of the investigation and the actions taken to resolve my concerns.

Please consider this letter a formal request for an expedited review of my dispute as part of the ongoing CFPB lawsuit, and I expect a response in a timely manner, consistent with the rules governing credit reporting agencies under the FCRA. 

I trust that this matter will be handled in accordance with applicable laws, and I will be expecting your prompt response. Should you require any further information to process my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TRANSUNION CONSUMERS SOLUTIONS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Identity Theft and Request for Removal of Fraudulent Accounts Dear TRANSUNION, I am writing to formally notify you that I am a victim of identity theft and to request that you take immediate action to block and remove the following accounts from my credit report. Additionally, my personal information was compromised in the XXXX data breach, further exacerbating my situation. 

The accounts that require immediate attention are as follows : XXXX. XXXX XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX XXXX  Date Opened : [ XX/XX/XXXX ] XXXX. [ XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX XXXX Date Opened : [ XX/XX/XXXX ] XXXX. [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor : [ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : [ XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX  ] INQUIRY XXXX XXXX. [ TRANSUNION XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX ] INQUIRY XXXX XXXX. [ TRANSUNION XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX  ] INQUIRY XXXX XXXX. [ TRANSUNION XXXX XXXX XXXX XXXX. [ XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX XXXX ] INQUIRY XXXX I have taken the necessary steps to report the identity theft to the Federal Trade Commission XXXX FTC ), and I have also filed a police report regarding this matter. A copy of the police report and the FTC Identity Theft Affidavit are enclosed with this letter for your reference. 

Please block and remove these fraudulent accounts from my credit report as required under the Fair Credit Reporting Act ( FCRA ). I would appreciate your prompt attention to this matter and request that you confirm in writing once the accounts have been blocked. 

Thank you for your immediate attention to this serious issue. Should you need any further information, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit
Product: Checking or savings account

To whom it may concern, Bank of America closed my business account on XX/XX/year>. But they still hold my fund. I need the fund to run my business. could anyone please help me to get my check as soon as possible? I will be very appreciated.