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

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.
Product: Mortgage

NJ Lenders has not responded to my complaint. Duplicate is not the word that should be used it should be avoidance behavior or non compliance of responsibilities. This is not a duplicate or similar request. Closing the case ID is an example of avoidance behavior resulting from fear of the finds of who the payee who accepted and deposited the check is. 

Please respond via the CFPB website with the identity of the payee who deposited the {$130000.00} from the XX/XX/2005 NJ Lenders refinance. 

I am the person who has been paying back the money and I am the person who will have to pay the lien off before I can sell the property and have a right to know the identity of the payee who accepted and deposited the {$130000.00} from NJ Lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the information I recently discovered on my XXXX XXXX account. It has come to my attention that XXXX XXXX XXXX is reporting on my Equifax credit report, and despite my attempts to reach out to Equifax, I have not received any response or resolution regarding this matter. 

Upon reviewing my XXXX XXXX account on XX/XX/2023, I noticed the presence of XXXX XXXX XXXX as a reported account on my Equifax credit report. I was taken by surprise as I have no knowledge of any business or financial transactions with XXXX XXXX XXXX. The reporting of this account is not only inaccurate but has the potential to negatively impact my creditworthiness and financial standing. 

To address this issue, I promptly contacted Equifax via phone on XX/XX/2023, to dispute the reported account and seek further information and clarification. However, to my dismay, I have not received any response or acknowledgment from Equifax regarding my dispute. The lack of communication and resolution from Equifax is highly concerning and has left me in a state of uncertainty and frustration. 

I am reaching out to the Consumer Financial Protection Bureau to request your intervention and assistance in this matter. I kindly request that you investigate this dispute between myself, Equifax, and XXXX XXXX XXXX Reported : XXXX. XXXX, 2023, to ensure that the reporting is accurate and to rectify any potential errors or misinformation that may be present on my credit report. 

Enclosed with this letter, please find copies of relevant documents, including my XXXX XXXX account information reflecting the reported account from XXXX XXXX XXXX I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and work diligently to resolve this matter. It is of utmost importance to me that the accuracy of my credit report is upheld and that any incorrect information is rectified promptly. 

I kindly request that you keep me informed about the progress of this complaint and provide me with updates regarding any actions taken or resolutions reached. 

Thank you for your attention to this complaint. I appreciate your efforts in ensuring fair and accurate credit reporting for consumers. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX XXXX : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX  XXXX 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

National Credit System XXXX {$1200.00} this was put on my credit and the information is not credit
Product: Debt collection

XX/XX/2021 a letter was sent from Helvey & Associates , Inc, saying that an account had been placed with them for collection. 

A letter was sent to them disputing the account. 

A response from the alleged creditor was then received on XX/XX/2021 in which alleged creditor stated they had " completed a reasonable investigation of the dispute and found no evidence of an error or inaccurate information. '' However, alleged creditor failed to provide any proof of said investigation or disclose how the investigation was done. 

They then sent a letter dated XX/XX/2021 in regards to the alleged debt again saying if it wasnt paid in full, then they would report it to national credit bureaus. 

Another letter was sent certified return receipt mail XX/XX/XXXX to alleged creditor requiring them to provide an actual accounting of the debt ( ie validation ), verification of their claim against me in the form of a sworn affidavit or a hand signed invoice in accordance with the UCC, a copy of the contract signed by both parties, and a true and certified copy of the original agreement.

None of this was ever sent by alleged creditor.

Two more follow up letters stating the same were sent by certified return receipt mail on XX/XX/XXXX and then again on XX/XX/XXXX of 2021. 

Alleged credit did respond on XX/XX/XXXX stating that they had already verified the alleged debt, which they had not, and that they would not being doing it again. 

Helvey and Associates did report this collection to XXXX, XXXX, and XXXX. 

However, after disputing the alleged debt with those above name companies, XXXX and XXXX removed said collection account. Only XXXX refused to do so.
Product: Debt collection

Debt collection company obtained judgements and is trying to collect a debt from a credit card. The documents the debt collector has sent me when I requested validation of the debt, would place the opening of the account whilst I was a minor child. I have explained this to the debt collector whom then has attempted to garnish my wages and levy my property for said debt. Judgement is over 15 years old. Therefore, it is my firm belief this debt is either identity theft, or this debt collector is attempting to collect a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account Number : XXXX UNUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

After opening a brokerage account at XXXX XXXX, I was offered to sign up for their XXXX American Express credit card with the employee. We went ahead and processed the application. Was not told of or mentioned any restrictions. The offer was for XXXX MR points after {$5000.00} in spend per the terms I was given. 

On XX/XX/XXXX around XXXX I gave American Express XXXX a call to confirm the promotional offer was on my card and was confirmed by two different agents AND was given the promo code on my account, which was XXXX : XXXX I've met the {$5000.00} minimum spend by a lot and was not given the points that I was advertised. American Express employees confirmed with me on XX/XX/XXXX on a recorded phone cone that I was eligible for the promotion and that no issues existed. They should be held responsible for their advertisement and what they told me on the phone.
Product: Credit reporting

requested to have items that have been closed and/or sold or transferred removed from my credit report and some addresses deleted. they are refusing to remove even after providing information that these accounts are closed or the company no longer has them. please assist. This was submitted to all XXXX bureaus with no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

iq data i never lived in XXXX new jersey. XXXX i never owed and this is not my debt. this is illegal i suffer from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with Equifax that was filed on XX/XX/2020 under confirmation number XXXX. 

Equifax has not corrected the information nor completed the investigation in a timely manner.
Product: Debt collection

This is a complaint from XXXX XXXX against National Credit Systems for National Credit 's failure to provide requested information for the debt alleged. National Credit Systems has been reporting two open accounts on consumers credit report that client does not recognize. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, National Credit Systems responded providing only original statements with no verification that they own the debt or that it was transferred to them. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations 15 USC 1681 Section 602 State I have a right to privacy. 
15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions. 

Black mail is defined as demanding money or another benefit from ( someone ) in return for not revealing compromising or damaging information about them. 
Identity theft is defined as the fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 
Fraud vitiates the most solemn contracts, documents and even judgments. ( U.S. vs Throckmorton, 98 US 61, at pg. 65 ) There is no known law that says I have to pay anyone anything.

I do not have a contract with these unconstitutional Credit Reporting Agency. I used the address on my consumer report and they engaged in untimely games collecting my correspondence. These are publicly traded companies engaging in deceptive practices which violates the Truth and Lending XXXX.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against Chime Financial, Inc. regarding the unauthorized transactions made on my Chime credit/debit card and the subsequent handling of my dispute by Chime. 

On the early morning of XX/XX/year>, my phone and wallet, which included my ID and Chime credit/debit card, were stolen from my car. Following this theft, XXXX unauthorized charges totaling {$1100.00} were made using my card. I promptly filed a dispute with Chime and a police report with the XXXX Police Department. 

Chime representatives assured me on several occasions that my funds would be credited back to me. Despite these assurances, I never received a refund, and Chime closed the case. I reopened the case multiple times, and each time, Chime representatives reiterated that I would receive a refund. However, they continued to deny my XXXX disputes without providing a detailed explanation for the denials. 

Ironically, on XX/XX/year>, my car was broken into again in front of my house. Fortunately, nothing was stolen during this second incident. I filed another police report with the XXXX Police Department and submitted the document to Chime to demonstrate the pattern of vehicle break-ins in my neighborhood and my transparency regarding this matter. Once again, a Chime representative from their investigation department assured me that I would receive a credit refund of {$1100.00}. As expected, they closed the case again and denied all my disputes, even after receiving XXXX police reports and multiple case reopenings. 

At this point, I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter with Chime. Their handling of my case has been inconsistent and unfair. They have repeatedly assured me of a refund, only to close my case without explanation. I have all the necessary documents pertaining to this matter and am willing to provide them upon request. 

Thank you for your time and assistance in this matter. I look forward to your prompt response. 

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

I disputed XXXX XXXX account which was sold up XXXX XXXX, XXXX with Experian. XXXX civilly tired to sue me in court and the court ruled they have insufficient evidence to even pursue the case and ruled in my favor. I have sent Experian the final ruling and it still is reporting to my credit and its in violation of my rights 15 USC 1681 for reporting inaccurate information with given proof of the account. Its cause my denial for credit and they have updated my account and no deletion for inaccurate report, which should have been done .Experian updated my report XXXX