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

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Debt collection

I mailed Midland Credit Management several letters asking for a true bill of commerce and a wet signature stating we are in business agreement to no avail. They are attempting to collect a debt not owned by their entity and unlawfully so by manners of legalese which are trumped by law codes via the U.S.C. I have to permit them to furnish an account which why they constantly mail me threats of litigation in hopes that I do not respond. My rights are being violated and the credit card company has venued my credit from the treasury to furnish an account and with draw funds and then issue them back to me in debt notes. This being the reason for the national debt, confiscating all gold and their way of avoiding bankrupting the U.S. for the 4th time. The government has an obligation to pay all debts under Public Law 73-10/HJR192 of 1933 as proof to back up my statements.

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 written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or XXXX where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information 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 following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : + XXXX I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXX/XX/year> Delete these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Product: Credit reporting or other personal consumer reports

Upon checking my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I'm a victim of Identity theft. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to delete some of the fraudulent accounts and information from my credit report, but further investigation of my credit report revealed other issues. I observed that many of the fraudulent products are still present. You must delete the fake accounts and information you report on my credit file in accordance with Fair Credit Reporting Act section 605b. Please remove the remaining items from my credit file as quickly as feasible in accordance with Fair Credit Reporting Act section XXXX ; EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In order to have the fraudulent accounts and information removed from my credit file as quickly as possible, I am submitting this CFPB complaint. Even though I respect the deletion and action you took, my credit file should also have had the remaining items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple letter sent to companies involved from 2018 until present day. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX and 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed from my file. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Debt collection

XX/XX/31 XXXX - I asked that Portfolio Recovery Associates XXXXtact me via US Mail and no longer to call me. 

XXXX XXXX - XXXX XXXX called from Portfolio Recovery Associates called. I asked for their mailing address and explained that I requested they cease contact via phone more than 24 hours ago and they were in violation of the law. XXXX proceeded to argue with me that she was not in violation. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX The numbers used to call me were XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Sent via XXXX XXXX # XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To whom it XXXX concern : I am writing in regard to your response to my initial request for my Full Consumer File Disclosure. My request was very specific and I provided the exact sections of the FCRA which require you to provide it to me ( see copy of my original letter attached ). Your response was insufficient in that you did not provide the Full Consumer XXXX XXXX as requested. I will once again state that I am requesting my Full Consumer File Disclosure pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) to include all other such information listed specifically in my initial letter. No response by you other than providing the Full Consumer XXXX XXXX as required by the FCRA will be acceptable. 

My initial letter was my first request for a Full Consumer XXXX XXXX within the past 12 months and there is no provision in the FCRA which allows you to charge me for it. I expect your full compliance with the law and for me to receive my Full Consumer XXXX XXXX in a timely manner as required by the FCRA. Your failure to do so will result in me initiating legal action to force compliance under the law. Your timely response is appreciated, not later than 15 days from delivery of this notice. Act accordingly. 

Once again, as was provided with my initial request, I am enclosing a copy of my drivers license, Social Security card and utility bill for identification purposes. You are instructed to mask the first XXXX digits of my Social Security XXXX in all writings you return to me. Please note, I am NOT requesting a credit report. 

Thank you in advance for promptly satisfying this request. Thank You
Product: Checking or savings account

I deposited a check of more then {$5100.00} made out to my father into my account not before asking in the branch if I can do so they told me that if its endorsed by both parties it will work but they placed a freeze on my account when I called in to see what I can do I have been asked to provide a phone number that they can call my father to verify it I have provided all phone numbers he is using but they told me that this phone numbers are not verified I asked them what is a verified number they told me that they are using a tool that's gathering info from public records to see if a phone number is associated with this parson so I asked them to search for his name they ware not able to find a phone number for him so they told me that they are not able to verify it even when I offered them that I can have him walk in to a branch and they told me they have no option for me to verify this check in other words someone that is not on the database they are using has no way to be verified and see beck the money
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may  not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a follow up complaint. I recently filed complaint XXXX to which this company responded by sharing private information about disputes with other companies. I am a victim of identity theft because XXXX companies run by unethical people like Fox Collections rampantly breaks the law with their flagrant disregard for the protections the United States government lends her citizens under the Fair Credit Reporting Act. Following a phone conversation with the Consumer Financial Protection Bureau I am now filing this dispute per their request so they can have official documentation of exactly what happened. You may pull up the previous dispute when referencing this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Product: Debt collection

An incorrect medical debt was turned over to First Federal Credit Control ( FFCC ). The medical provider was XXXX XXXX, XXXX, who in turn used a Billing Company. The Billing Company sent me an incorrect bill. I notified them of this multiple times as well as XXXX XXXX and was advised it would be corrected and I would get a new bill every time I spoke to them. Neither company sent the corrected bill and the Billing Company referred the incorrect debt amount to FFCC. Upon receiving the collection notice I immediately called my rep XXXX and advised of the error and dispute. She advised she would look into it and that no credit reporting would occur. After not hearing back after roughly a week I called both XXXX XXXX and the XXXX XXXX and told them of the collection company. XXXX XXXX finally corrected the bill while I was on the phone and I paid them at the same time since the bill was finally corrected. Now a few months later I see that FFCC negatively reported which has affected my credit. This was all due to a billing error and I dont understand why my credit is negatively being affected due to the errors of all three other companies. Nor do I understand why I was the only one trying to fix the error. At this time I want my credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following iters of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
Accounts XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card around XX/XX/XXXX and immediately purchased several items on it. I had issues paying the bill online, so on XX/XX/XXXX I went to a store, returned one item that didn't fit correctly and asked for an exact amount to pay off the card completely. The clerk printed a balance statement that showed I owed {$360.00}. The return refunded {$65.00} to my account. The employee and I agreed on the remaining balance and I paid {$290.00}. At this time I thought everything was paid and up to date, that my card had a zero balance. Later, I still received additional bills in the mail. I called to inquire and the person on the phone apologized and told me it was a mistake and that any remaining balanced would be removed. They verbally confirmed my account balance was now at zero. After this I still received a bill. I called again in XX/XX/XXXX and this time the person argued with me for a lengthy time and said I still had a balance. Even though I disagreed with this, I asked how much to completely pay off the card and be done. I was told {$26.00}, so even though I didn't agree, I decided to pay that amount to be done with the card. However, I am still receiving bills today.