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

My information was exposed in the data breach with Equifax .My personal information also have been exposed with the National Data Breach As well. I do not want my Dispute to turn into a 30 day Dispute based on Section 605B See Evidence attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2024, Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

I requested that the company send me proof of each alleged collection that is reporting onto my credit report. It has been over XXXX days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently XXXX ( XXXX ) collection account showing on my account : XXXX. XXXX XXXX XXXX. 

I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN this companies obtained these accounts from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that XXXX XXXX XXXX is licensed to collect in my state, with this company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Product: Credit card

I had received a XXXX from Chime financial company. I do not have a chime account therefore the XXXX I received gave me a phone number of Chime to call, I had called and explained to them I do not have a Chime account. They advised me there was misleading action on my account which once again I stated I do not have an account and they advised me to start complaining to FTC. That was XX/XX/year>, today I had called up FTC and they gave me this link and they advised me to touch base with you. Can you please help me.
Product: Checking or savings account

I receive my direct deposit on Thursdays and this time my deposit has not yet been reflected in my account. I called the bank and they tell me that they have problems with the system, but it has been more than 26 hours. I live on my check, I have no extra income. Unfortunately, at this moment I do not have savings for this type of event and I have several payments to make. One that was already overdue since the XXXX, the payment for my truck. They give me until the XXXX to not pay a surcharge. Yesterday it expired, but I do not have funds for my gasoline and the bank only says that they are working. The truth is that I am a little frustrated.
Product: Vehicle loan or lease

Santander tow guys illegally rear ended me causing bodily injury while I was in vehicle Breach of Peace
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.
Product: Credit reporting or other personal consumer reports

XXXX is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX XXXX XXXX. By law XXXX XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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

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. 

Account name : 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 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 or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am writing to formally address several concerns regarding the unauthorized sharing of my personal information and collections activity by your company. I hereby exercise my right to opt-out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, in accordance with the provisions outlined in 15 U.S Code 6802-6805. This opt-out is effective immediately and indefinitely.

It has come to my attention that your company has engaged in the sharing of my private information with third-party agencies without my explicit consent. This action is a blatant violation of my privacy rights as guaranteed under the Privacy Act of 1974. I want to make it unequivocally clear that I have never authorized any entity to disclose my personal information to third parties for any purpose whatsoever. 

Furthermore, I demand the immediate cessation of all collections and charge-off activities associated with my account. It is essential to note that any attempt to collect on these debts is in violation of federal law. Under IRS publication guidelines, collections and charge-off activities are considered a certificate of indebtedness, constituting income that must be reported and subsequently removed from any records. 


Thank you for your attention to this matter. I trust that you will act swiftly to rectify these violations and prevent any future breaches of my privacy rights. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am requesting a copy of my consumer file that Early Warning services furnished on behalf. I would like to inspect this report for accuracy.
Product: Debt collection

Discovered my credit report XXXX TransUnion, Experian, and Equifax XXXX all displayed a collection amount of {$250.00} that was opened on XXXX XXXX, XXXX. Original creditor is XXXX XXXX. Having no knowledge of this account or what their service even is, I disputed this collection with all 3 bureaus in XXXX of XXXX and it has been removed from XXXX and XXXX. However, XXXX suggests the collection is indeed mine. I have never received documentation either via mail and no attempts to collect via phone either, leading me to believe that this company does not have my contact information which would suggest I have no relation to them and do not owe this debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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

Experian credit reporting service has a bankruptcy on my credit report that is not mine. I asked them to look at all my accounts on my credit report and they will see no accounts have been discharged in bankruptcy or late so the bankruptcy can not exist according to the accounts reported on the report. They didnt do this and said it was verified. I have been denied loans due to this and ask you step in to help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, XXXX, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish the accounts listed below on my consumer report? 

No. I most certainly did not. 

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section XXXX of this letter on my consumer report. 

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section XXXX of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Debt collection

There are 2 collection agencies trying to collect the same debt that has not been validated as i requested. it is against the fcra act to have two companies reporting the same debt less alone not validating it
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 entries on my credit report maintained by Experian Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. 

On XX/XX/2023, I sent Experian Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. 

I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. 

On XX/XX/2023, Experian delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an Experian specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. 

First of all, Experian provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR Experian. 

I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these 2 entries being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon using XXXX, I was able to access my credit report successfully from XXXX  and XXXX, however was unable to do so with Experian because I have lived at 3 addresses in the last 2 years ( the request form only lets you put one former address within the past two years ). Additionally,  because my extended fraud alert ( which lasts a total of 7 years ) was not placed at my current or former address, Experian 's software is not good enough to confirm my identity ( unlike that of XXXX  or XXXX   ). Additionally, it took me more than 7 minutes on the phone with a robocalling system with Experian because their system had significant difficulty recognizing my voice, particularly my apartment number. Additionally, due to COVID-19 and not having a printer, there is nowhere I can physically go to complete paper request forms and my building does not have a box for outgoing mail. Because of these flaws, I am stuck waiting 15 days to receive a report I am entitled to every week. This delay is unacceptable in comparison to your competitors and the service you claim to provide.
Product: Mortgage

Payoff was issued to mortgage carrier RoundPoint on XX/XX/2020 in the amount of {$110000.00}. On XX/XX/2020 RoundPoint took out {$880.00} and applied to our escrow account, now totaling {$1200.00}. 

Contacted and was informed the {$880.00} was added to escrow after payoff was received, and in closing the account a check would be issued in 20 days in the amount of {$1200.00}.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is missing from my XXXX credit report but is posted on my credit reports with XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Acct ( FCRA ) to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. As of XX/XX/year>, XXXX XXXX XXXX XXXX is not licensed to collect debt in the state of Texas. Under Texas law, debt collection agencies must be licensed and bonded with the Texas Secretary of State to legally operate within the state. A search of the Texas Secretary of States licensed debt collectors database revealed that XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. I request that this information be deleted from my credit report immediately.
Product: Debt collection

{$770.00}, reporting on my XXXX credit report I've requested and have not received anything over the past 120+ days -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b )
Product: Credit reporting

I have a credit card through XXXX XXXX and XXXX XXXX. They are constantly reporting everything on my report twice which affects my credit score in a negative way. I have ask them to stop doing so and they refuse. And the XXXX agencies will not removed double reports even though it is the same exact report.