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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as established under the Fair Credit Reporting Act ( FCRA ), including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant provisions of Missouri law related to identity theft and fraudulent credit reporting. 

It has come to my attention that LVNV has engaged in unauthorized reporting to my credit file without my explicit consent. Federal law, specifically under the FCRA, mandates that such reporting requires consumer consent, as outlined in Section 1681b ( a ) ( 2 ). The FCRA 's protections are designed to safeguard consumers from wrongful reporting that can harm their credit reputation. 

In addition to federal provisions, Missouris identity theft and fraud laws, including Mo. Rev. Stat. Section 570.223, protect residents from the unauthorized use of personal identifying information. The statute clearly defines identity theft and stipulates penalties for those who use, possess, or transfer personal identifying information with the intent to defraud. Unauthorized credit reporting, without my express permission, constitutes a serious violation under both federal and state law, including Missouris protections against identity theft and fraud. 

I affirm, with absolute certainty, that I have not granted consent to LVNV to report any information to my credit report. This failure to obtain my authorization is a blatant violation of my legal rights, potentially harming my credit standing and violating the FCRA as well as Missouri state law. 

I hereby demand that LVNV immediately cease all further reporting to my credit report without my explicit consent, as mandated under FCRA Section 1681b ( a ) ( 2 ), and that they comply with Missouris statutes on identity fraud and unauthorized use of personal information. Should this matter not be resolved within 30 days, it will be considered a willful violation of federal and state laws, subjecting LVNV to penalties for noncompliance.

This demand is not a matter for negotiation but a requirement for adherence to federal and state regulations that protect consumers like myself from unauthorized and damaging credit reporting.

I expect immediate action and full resolution of these violations. Failure to comply will leave me no choice but to pursue legal remedies as allowed under both federal and Missouri state law. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have listed inquires that i did not make i am a victim of fraud. I HAVE SUBMITTED MULTIPLE DISPUTES ONLY TO BE TOLD THAT THE POLICE REPORT IS TO VAGUE AND DOES NOT MENTION WHAT, WHERE, OR DATE OF INQUIRY I HAVE UPDATED THE FOLICE RPORT WITH THE POLICE REPORT NUMBER AS WELL AS THE DATES AND PLACES OF INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute inaccurate information that both Equifax and XXXX XXXX  have reported on my credit report. These inaccuracies have significantly impacted my credit score and have caused undue hardship. Please remove the inaccurate information from my credit report and send me an updated copy of my credit report after the corrections have been made. Additionally, please send a confirmation letter to the addresses listed above once this issue has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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
Product: Debt collection

On XX/XX/year>, I stated to XXXX XXXX ( agent ) that the debt for {$4700.00} had been settled and the approved 1099A via IRS was attached to this certified email. Also, XXXX XXXX was asked for the validation and verification of debt, as well as the binding contract between two parties ( us ). No reply was given. On XX/XX/year>, my second certified email was sent to XXXX XXXX, stating that the debt was settled and XXXX was provided with the same evidence as before however the person 's certificate of good standing was now also attached to the certified email. No response was given. On XX/XX/year>, I reported XXXX XXXX to the IRS for not providing a W9 upon request, so that the accounting ( if needed ) could be addressed. On XX/XX/year>, XXXX XXXX summons for court was refused and not consented to on public record. This account has been settled, paid and verified via IRS and XXXX ( good standing, paid on time & {$0.00} balance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to find a job that can cover my remaining financial obligations while still staying in the XXXX XXXX XXXX and was contacted on the XXXX of XXXX about a job offer that I qualified for. I completed an over the phone interview and was told that it was a work from home job that the company would cover the cost of equipment. It turns out it was a scam and I'm now out {$4800.00} and the bank won't help me with financial problems and has even told me they have frozen my accounts and are closing all of my accounts, regardless of whether I wanted to or not. While trying to seek legal actions against the other people involved, due to the fact that I have all of their information, law enforcement has told me " to chock it up as a loss '' and told me it's a learning experience. My life has come to a screeching halt and I have no where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over XXXX  days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXX XXXX Balanced Owed : {$0.00}
Product: Debt collection

Wakefield and Associates are reporting an account where they say i owe {$850.00} and I never made a payment. Original creditor isXXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2019 Balance {$850.00} Debt - Contact Information XXXX XXXX XXXX, XXXX , TN XXXX, ( XXXX ) XXXX-XXXX  and I made a payment in XXXX and have the receipt for it and yet they are refusing to update that and are reporting this account to be a credit card that account which in reality this is the medical bill debt and they are reporting that the account has been delinquent for over a hundred twenty days and it's ruining my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Product: Credit card or prepaid card

Navy Federal is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit. 
They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action. 
By 15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

TD BANK USA/TARGET XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$930.00} XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$950.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$450.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Midland credit management, inc contacted me to collect a debt. I am in the process of paying off my debt and i had believed i was finished. 
The debt did not show up on my credit report so i requested more information from the individual at midland. He refused to supply anymore information or debt verification. I gave up and stated that i would pay in full as long as they could provide me what we had discussed in writing as i had with all the other company 's. Midland refused to provide this as well so i hung up. 

They keep sending mail, they call my cell phone at all hours of the day, they contact my work looking for me, and have even called relatives and friends of mine.
Product: Debt collection

I received an notice that a collection ( XXXX XXXX and XXXX ) was added to my credit profile with all but not limited to major credit reporting agencies Equifax. After investigating ( calling, asking for correspondence letters, etc. ) I found that the collection added to my credit profile was fraudulent and against the law. I disputed the collection several times with credit bureaus ( Equifax ) and was told that the debt was verified. The collection that's being reported is a civil judgement in the amount of {$2300.00} which is what the XXXX district court has on file. But Equifax has the collection reporting {$3800.00} with said company above. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX laws were passed that prohibit civil judgements to be placed on credit profile with all but not limited to XXXX, Equifax and XXXX unless they include all of the following ... 

Classification codes and original creditor, Full name, date of birth, address, social security number and a monthly full file report. 

Law passed on XX/XX/XXXX also states that, '' the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. 

Upon speaking with a clerk at the XXXX district court in person, I learned that no one ( Equifax or any other 3rd party agencies ) has been to verify any information pertaining to the civil judgement that has been placed on my credit profile. 

Equifax has been reporting wrongful and illegal information ... 

there's no date of birth, no social security number, no address nor name attached to the collection. The dates from the civil judgement and dates reported by Equifax doesn't match. The amount of the civil judgement and amount Equifax and XXXX are reporting doesn't match. 

I have included attachments of the civil judgement and other information.
Product: Checking or savings account

On XX/XX/XXXX I was notified via text message that my Bank of America debit card had been compromised and charges were made on my account for {$550.00} in online purchases. When I went onto my online banking app right away, I learned that two checks - one for {$1100.00} and one for {$940.00} were cashed in my name. A few days later on XX/XX/XXXX I was notified by BOA that two payroll checks for businesses in PA and MO were cashed in my name - those two checks totaled {$3800.00}. 

The first two checks were cashed at a Bank of America, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Missouri. The person who cashed these checks made a fake copy of my license. I was told by Bank of America. 

I was credited the {$550.00} in debit purchases, but Bank of America refuses to give me that money, as they say that my account is still {$3000.00} in the negative. My account is in the negative because my identity was stolen, by someone that clearly is not me. My husband also mistakenly transferred money to my frozen account ( to help me pay bills ) and BOA refuses to give me that as well, as the account is frozen. 

I have filed a police report, as well as reported by identity theft to the FTC. My FTC Ref No is 1XXXX. The police report number is XXXX Bank of America has not given me any updates and only says that are " investigating ''.
Product: Credit card or prepaid card

Purchased a night stay on XXXX for XX/XX/XXXX and checked in room at midnight but discovered the room not clean as decribed had shower water leaking into bedroom and caused flooding, toilet broken and had insects crawling in room and laying eggs, couldnot sleep due to smell and flooding, host promised to send cleaners in morning but did not, so I left in the morning, leaving keys behined, Tried to get credit from host who does not respond, so turned to chase Bank on XXXX XXXX who said can not help in this case & suggested to call XXXX XXXXXXXX, which i did but unable to reach their corporate office, all their phone numbers end up in XXXX and the reps did not let me speak to anyone in corporate office.. Please help...
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. 

I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. 

The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. 

I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. 

I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : 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 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, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX5 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXXccount Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$6100.00}
Product: Debt collection

I owe XXXX XXXX about {$11000.00} for a credit card bill and haven't been able to make any payments for several months. This morning around XXXX XXXX, a male from Client Services at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO called a family member and harassed her about giving them my phone #, etc. She said she couldn't do that then they also told her that they knew she lived at the same address that I did and told her I owed over {$11000.00} to XXXX XXXX. 

I understand it is against the law for them to reveal that type of personal information and I would like this addressed with the company and the person that made the phone call. 

I also want to ensure that they don't try to harass me or my family or try to retaliate against me while I'm trying to pay off this debt.
Product: Debt collection

XXXX XXXX suppose to send me back my security deposit in the amount of 150 $ 30 days after I moved out of the apartment. Instead of returning my deposit they ( XXXX XXXX ) sent me the final statement by email without signature which made me believe someone is trying to commit fraud against me. 
On my response to provide me the proof of necessary activity they are going to charge me for ( Painting, Carpet replacement ) I did not receive any. 
Instead I was reported to collection agency which will affect my credit. 
I am demanding my security deposit back plus removing my file from collection plus compensation for moral damage