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

XXXX, through my paid account, shows the dispute in progress ; however, once I click on each CFPB complaint to each account, they have summarily dismissed my complaints. I want to reiterate, that I filed complaints as to each account and fraud, through the CFPB ; I then filed " identity theft '' and fraud reports with the FTC ; I further mailed each bureau : a comprehensive file that contained copies of both FTC reports ; a letter of dispute on the accounts notifying them of the identity theft and fraudulent affected accounts ; all XXXX letters pertinent to identity theft and fraud, regulations, subsections, etc. ; copies of my driver 's license, SS XXXX, bank statement, IRS 2023 filing, and met all requirements under FCRA Section 605B, FCRA Section 623 ( a ) ( 6 ) and have met my burdens. I want to state here formally, that the CRAs and furnishers, must comply with FCRA guidelines, and have a legal obligation to remove, or block, all accounts theft and fraud-related accounts and information. I am being specific to XXXX due to my history of unethical, unlawful, and discriminatory actions. I as the consumer, filing under the affidavit of complaint, am accountable for my actions and was fully aware before filing with the FTC and CFPB ; that XXXX would attempt to continue with its retaliatory, discriminatory, and unlawful actions. I am so certain, I am providing this complaint before they act. Not to alter the outcome that is already lawfully provisioned, but rather as further proof of the extent to which XXXX will go, and to what measures. 
The CRA, having been provided by the consumer with an identity theft report from the FTC alone, obligates the CRA under FCRA Section 605B to block the fraudulent information from the consumer 's credit report.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXX court system XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX cards {$530.00} acct # XXXX XXXX ) XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Chex Systems XXXX Inc. is reporting an account to my Chex Systems report. This account was reported to Chex Systems without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires companies to send a notice before reporting negative information to credit reporting agencies. 

Source of Information : XXXX XXXX BANK Amount - {$770.00}
Product: Debt collection

I am filing a formal complaint against Midland Credit Management ( MCM ) for failing to provide the debt validation I requested, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite my timely request, MCM has not furnished the necessary documentation to substantiate the alleged debt, yet they continue their collection efforts.

The details of my complaint are as follows : 1. Failure to Validate the Debt On XX/XX/year>, I sent a written request to Midland Credit Management requesting validation of the alleged debt they claim I owe. I asked for a detailed breakdown of the debt, proof that MCM has the legal right to collect it, and any relevant documentation supporting their claim. To date, they have failed to provide the requested validation, they sent some statements of the debt which do not prove this accounts belong to me.

2. Continued Collection Efforts Without Validation Despite failing to validate the debt, MCM has continued its collection activities. This is a direct violation of 15 U.S.C. 1692g ( b ), which prohibits further collection efforts until the debt is properly validated.

3. Negative Credit Reporting MCM has continued to report this unverified debt to the credit bureaus, damaging my credit profile without substantiating its legitimacy. This has caused me financial harm, including, difficulty obtaining credit, higher interest rates, stopped me from qualifying for a home mortgage and stress.

I am requesting that the CFPB investigate Midland Credit Managements failure to comply with federal law and take appropriate regulatory action. Additionally, I request the following resolutions : MCM must cease all collection efforts until they properly validate the debt.

If they can not validate the debt, they must remove any negative reporting associated with it from my credit reports.

Any appropriate fines or penalties should be imposed to ensure compliance with consumer protection laws.

I have attached copies of my written validation request, any responses received and any supporting documentation. Please let me know if you require further information.
Product: Mortgage

Nationstar dba Mr. Cooper has an obligation to refund monies for overpayment at the time of the loan payoff. My first contact was an inquiry on XX/XX/year> which stated that overage would to be returned in 20 days. On XX/XX/year> we paid off our loan and on XX/XX/year> Mr. Cooper issued a check only to put a stop payment on it which my bank then withdrew the funds from my account. Since then, I have had several interactions with Mr. Cooper. On XX/XX/year> I was told I would received the funds in 5-7 business days which, would have been XXXX. On XX/XX/year> I still had not received the funds and I was instructed to supply a voided check so the funds could be electronically deposited within 3-5 business days. I provided it but was told it was rejected since the check did not include both names, myself and my husband. We do not have a joint account, nor did we when the monies were loaned to us. I replied with my resolution recommendations along with inquiries as to what comes next, but all requests go unanswered. I have now been attempting to get the funds that are rightfully mine for over 3 months.
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. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} Inquiry : XXXX XXXX  Inquired on XX/XX/2021 2021
Product: Debt collection

Milestone Parrish acquired a debt deemed uncollectable from XXXX XXXX that includes a name I previously used but legally changed, an address I previously used, and my social security number. The purchase was made online with no ink signature for three sets of tires. At the time of the alleged purchase ( XX/XX/2019 ), I worked at a business at the address in question but no longer used that address personally as I had sold the business to another corporation. Since I maintained a daily presence at the business, I would have noticed if three sets of tires were delivered to that address ( however, nobody has been willing to disclose the delivery address of the tires to me ). Milestone Parrish engaged a company called XXXX XXXX XXXX to collect the debt earlier this year, but when they could not validate the debt, they declined to continue action. Recently, Milestone Parrish engaged XXXX XXXX XXXX to try to collect the debt. I never heard from this company until I reached out to them myself once they had reported the bad debt to the collection agencies. They were unable to validate the debt and have declined to continue to pursue the collection. However - I fear that this will continue with yet another debt collector as Milestone Parrish shuffles the debt. The debt total is {$4600.00} and it is not mine.
Product: Credit card

I had a credit card with Banamex. My account is closed. The company contacted me to inform me that the company was closing and they needed to send me {$310.00} ( refund ). They claimed they mailed the check but had the wrong address. I updated my address via phone and completed/mailed the required loss declaration paperwork in XXXX and I still have n't received my check. I called several times. This is my second complaint. This company is extremely unprofessional. I would like my check so I can officially termite the relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate these records. I've proactively remembered this report for a past letter and I am including it once more. here are the list of Accounts that needs attention in my file : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>XXXX  SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX XXXX XXXX XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX, FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I have serval Fraudulent inquires on my credit file.
Product: Debt collection

THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF
Product: Credit reporting or other personal consumer reports

Im reaching out for the immediate deletion of all unverifiable, inaccurate, and incomplete accounts from my credit profile. I assert my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of my credit report.

Specifically, I demand the removal of the following accounts : These accounts are either unverifiable, inaccurate, or incomplete, and their presence on my credit report negatively impacts my creditworthiness. I have previously I am aware of the recent lawsuit filed against XXXX by the Consumer Financial Protection Bureau ( CFPB ). The CFPB alleges that XXXX failed to investigate consumer disputes adequately and reinserted previously deleted accounts without following FCRA regulations. This conduct is unacceptable and demonstrates a systemic disregard for consumer rights.

As a consumer, I have the right to : Accurate information : My credit report must contain only accurate and verifiable information.

Dispute resolution : XXXX must conduct a reasonable investigation of disputed items and provide me with the results. 
Proper reinsertion : If a previously deleted item is reinserted, XXXX must provide me with notice and an explanation, including the source of the new information. 
I demand that XXXX : Delete all unverifiable, inaccurate, and incomplete accounts from my credit report.

Conduct a thorough investigation of all disputed items.

Provide me with written confirmation of the actions taken.

Ensure that all future actions comply with FCRA regulations.

I expect a prompt and satisfactory resolution to this matter. If my request is not fulfilled within 30 days, I will consider further legal action to protect my rights. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a prepaid Mastercard through MyPrepaidCenter.com - on my paperwork, under the section " Fees Associated with This Card '' it lists a Check Request Fee of {$10.00} and I have been attempting to request a check for the amount of this card, but I have spent much time and have been unable to get ahold of anyone from this company or to actually request a check. Their automated phone system ( XXXX ) does not give me an option to request a check and it also does not give me the option to talk to an actual person, it has just repeatedly disconnected me. I have also attempted to request a check through their website but it gives me no option to do so or to contact them any way other than through the automated phone system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Debt collection

15 U.S. Code 1692g - Validation of debts states : ( a ) that the debt, or any portion thereof, IS DISPUTED, or that the consumer requests the name and address of the original creditor, THE DEBT COLLECTOR SHALL CEASE COLLECTION of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

THIS MATTER HAS BEEN IN LITIGATION SINCE XX/XX/XXXX. YET, XXXX XXXX, XXXX IN VIOLATION OF THE FDCPA CONTINUES TO REPORT THIS DEBT AS VALID. THE COMPANY HAS EVEN RE-AGED THE DATE OF THE DEBT. 

THEY ARE REPORTING TO XXXX CREDIT BUREAU THE DATE OF XX/XX/XXXX AS THE DATE THAT THE ACCOUNT WAS OPENED WHILE XXXX   LETTER, DATED XX/XX/XXXX in YOUR cfpb files - OFFICE OF THE PRESIDENT state that the account 's was OPENED in XXXX ; last date of activity was XX/XX/XXXX. So how can XXXX be reporting an OPEN DATE OF XX/XX/XXXX? How can a matter in litigation be validated?
Product: Credit card or prepaid card

Please refer to Complaint ID XXXX and XXXX for further details. 
In the previous complaint, BBVA claimed that : XX/XX/XXXX : Notification was sent to the branch to request SSN and DL from the customer XX/XX/XXXX : Bank notified the customer After receving these feedback in late XXXX, I conducted interviews with two employees XXXX XXXX and XXXX, who were the recipients of the request. 

1. XXXX XXXX was out of office from XXXX and returned to office on XX/XX/XXXX. He was not aware of the email from credit card service until XX/XX/XXXX that the application was missing documents but it was too late by then. No communication was sent out on XX/XX/XXXX. He said XXXX was in CC. 

2. XXXX said she never contacted the customer and was not really aware of the email from credit card service. No communication was sent out on XX/XX/XXXX. 

According to the employees at the branch, no communication was sent out to the customer requesting DL and SSN on XX/XX/XXXX as BBVA claims. This implies BBVA did not conduct interviews with the employees and casts doubt on fabrication. Lastly BBVA needs to explain why Credit Card Service was not able to provide any further details or requests to the customer when 4 calls were made prior to XXXX requesting the documents.
Product: Debt collection

I had account with XXXX I did a settlement and pay it in a full and as of today my account still active and on
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter from someone that said that claimed that I took out the loan with ezmoney but I dont even know what ezmoney is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The inquiry in question is as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX : {$3000.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$890.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX