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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX & XXXX XXXX Type of Business : Unknown Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Type of Business : Unknown Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Debt collection

A balance of {$150.00} from a old water bill. The balance was paid XXXX/XXXX/2012. Please see the attached letter.
Product: Debt collection

I am a XXXX veteran. I filed a claim for increased compensation in XXXX for my XXXX  XXXX  with the Dept of VA. The Dept of VA used a 3rd party called XXXX XXXX XXXX to set up XXXX of my XXXX  at a local provider XXXX XXXX XXXX center at no cost to me, the Dept of VA should be billed. When I checked in at this appt I provided the authorization that was provided to me by XXXX XXXX XXXX. Out of the blue in XXXX XXXX I received a collection notice for XXXX for the XXXX from a collection agency. After several calls and the run around I was told they needed the authorization with the Drs name to settle the bill with the VA. I faxed this info over. This happens to alot of veterans, they are ordered to go to VA appointments and then billed in error. 
This information is now on my credit report as a collection account XXXX Collection Company Receivable Management Group, XXXX GA. 

I already faxed the authorization to this company 2xs and mailed it in XX/XX/XXXX to stop the collection and for them to bill the dept of VA not me. But this company still placed this item on my credit reports when they are aware its not my debt, causing my credit scores to drop 65-70pts. 

I'm sure I'm not the only veteran this has happened to and who has been harmed by illegal debt collection activities by this company. 

This information should be removed immediately from my credit file, stop debt collection calls and use the information I provided over 5 months ago to bill the VA and or XXXX XXXX XXXX. 

I'm attaching emails to this company and the authorization that shows to bill them, not me, the XXXX veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To whom Can Help Me, On XX/XX/XXXX of 2020, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information be removed from my credit reports. I have not hear from neither of the credit bureaus by mail to confirm my updated information. I have been checking my report and attempting to contact them to have my information updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been WELL over XXXX days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last XXXX request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX. 

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

was charged for unnecessary optional packages stated I would not being able to get loan unless I signed up for those packages. forced sales basically
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I sent a {$500.00} transfer to someone using XXXX through my Wells Fargo account. I agreed to buy concert tickets from a XXXX ad and the seller did not transfer tickets to my account as promised. I have the listing and all documentation saved for this transaction. He sent me the confirmation as " proof '' of the tickets. I had suggested using XXXX to do the transaction but the seller said he preferred using XXXX as this was done directly from bank account to account and there would be no issues. After money was transferred he explained to me that he had transferred the tickets electronically to my XXXX account. I did not receive anything and the seller stopped responding and blocked me. I called Wells Fargo within minutes of making the transfer. The Wells Fargo website says that transfers could be cancelled as long as they were still in the pending status. My account said the transfer was still pending so I talked to a representative but she said it was too late to cancel the transaction. She told me that there was really nothing she could do at that point. I asked her what she suggested I do as I believed this to be fraud and she had no answer for me. I have an email address, phone number and name for the seller but have not received any help in this matter. The seller answered a message from my cousin just minutes later saying the tickets were still available. I would just like help from the bank in this situation to get my money back from this thief as they clearly have this persons personal information. I was obviously not the only victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX  Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much
Product: Mortgage

Homebridge financial Corp. is my mortgage and escrow company. They failed to pay my 2015 taxes on time. This resulted in a derogatory public record on my credit report. I paid Homebridge Financial on time for the entire year.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I sent police reports I disputed it with the credit bureaus I also sent a letter of validation to the collection agency and the credit bureaus
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA. 
Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is charging me for two accounts, and put two accounts into collections. when I have never used or operated a XXXX phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX  written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Vehicle loan or lease

Three different times credit karma. 
would send me a pre-approval guaranteed from discover for 5 % personal loan, once I applied for the personal loan and was approved, it was never 5 % it was usually anywhere from 15 % to 20 %
Product: Debt collection

I, XXXX XXXX, am filing a formal complaint against XXXX XXXX XXXX, XXXX, acting as a debt collector on behalf of American Express for a purported debt amounting to {$2100.00}. I am disputing the validity of this debt as no verifiable documentation has been provided to substantiate it, and I have yet to receive a signed contract containing both my authentic signature and my full Social Security number. My concerns, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), compel me to request XXXX XXXX XXXX, XXXX. verify this alleged debt in a clear and definitive contractual agreement, which they have yet to provide. 

In adherence to my rights under the FDCPA and other relevant consumer protection laws, I have previously requested validation of this debt from XXXX XXXX XXXX, XXXX. However, the response has been insufficient, failing to establish a legally binding contract signed by me or to present substantive evidence of my consent or obligation to this debt. I hereby assert my right to full verification as XXXX XXXX XXXX, XXXX. has not met the standard required by law to validate this claim. Should XXXX XXXX XXXX, XXXX. persist without providing a legally recognized, enforceable contract, it may be subject to litigation for misrepresentation, fraud, and potential violation of federal consumer protection laws. This noncompliance and harassment through unverified debt collection practices will warrant a federal lawsuit, and I am prepared to proceed if no compliance is met. 

Furthermore, I hereby demand that arbitration proceedings, in accordance with American Express 's standard contractual clauses for arbitration, be established as an alternative dispute resolution. XXXX XXXX XXXX, XXXX. has failed to honor arbitration options, which are typically outlined in consumer agreements with American Express, further violating my consumer rights and disregarding standard procedural fairness. This ongoing misconduct suggests a willful disregard for both consumer protection statutes and American Expresss own policies on debt dispute resolution. 

Given the nature of XXXX XXXX XXXX, XXXX. 's behavior, I respectfully request that the CFPB investigate this debt collection agency 's practices under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards, especially in light of XXXX XXXX XXXXXXXX XXXX  refusal to present evidence of a binding contractual obligation or offer arbitration per standard industry practice. 

In summary, I demand that XXXX XXXX XXXX, XXXX. immediately cease collection efforts until they can substantiate this alleged debt through legally acceptable means, specifically a signed contractual agreement containing my full Social Security number. Failure to provide these materials will confirm my intent to seek judicial relief, including damages for violations of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Discover has an outstanding balance amounting to XXXX that does not belong to me. Contacted Discover many times and filed a police report XX/XX/XXXX. I have also disputed with the XXXX credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and Discover practically every month and still no one has been able to help
Product: Credit reporting or other personal consumer reports

Someone has stolen my identity. I have never done business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX No one has provided me validation of these accounts.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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.

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 OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below.

I demand that the following accounts be validated or 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 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

This was a medical debt covered by insurance and the provider did not file with our insurance policy within the 1 year allotted. This is from 2014 and being reported as if it happened recently.
Product: Student loan

In XX/XX/XXXX, I suffered some serious medical complications that almost killed me. Recovery was slow and in the end, I was unable to return to my job. I faxed Navient in the spring of XX/XX/XXXX to let them know of my situation and asked for a deferment. I also sent a request electronically through their website, but I never received a response. My student loan went onto default and was sold to a debt collector, who jacked up the interest rate and tacked on a collection fee. My federal tax refund was taken to pay back my loan, which had increased from {$1000.00} to {$1600.00}.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company of AFNI, has reported an unpaid amount of {$270.00} on my credit on XX/XX/XXXX. This amount has been paid in full XXXX of XXXX. The company is disputing it for XXXX which I have contacted XXXX  to let them know it was paid in full and the phones. The conversation I had with the XXXX  representative in XXXX, Tn, clearly agreed that it was in deed paid in full. I believe there is some negligence on their part and I am being targeted in paying the bill twice. Again, this bill was completed in full in XXXX and should not be in my record now.