23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/2018 Dear XXXX FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer  that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, XXXX and Transunion. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX  cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Product: Debt collection

I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me. 
Details of Complaint : The debts listed on my credit report are not mine. 
Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt.

Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days.

The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them.

Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports.

Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt. 
o A complete payment history, including the original creditors name and address.

o Proof of assignment or transfer of the debt ( if applicable ).

2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. 
I appreciate your attention to this matter and expect a resolution within the legally required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause XXXX XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( 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.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXX XXXXXXXX please remove this inaccurate item.
Product: Debt collection

This account is not mine and does not belong to me. I have contacted the creditor and I have contacted the credit bureaus. XXXX XXXX and XXXX are the only bureaus that have this account deleted.
Product: Debt collection

According to all three major credit reporting agencies I noticed Jefferson Capital Systems , LLC reporting inaccurate account, witch claims I allegedly owe to this company. The Collector must make all required disclosures clearly and conspicuously in writing by sending this information you are violating Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce. As per section ( b ) Duties of furnishes of information upon notice of dispute. failure to prove validity must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted a dispute to Equifax in regards to a closed account for XXXX XXXX being removed from my credit report. I was advised by Equifax that the investigation would last 30 days which according to there record would have been XXXX XXXX, XXXX. Today XXXX XXXX, XXXX. I checked my credit report and it still states " customer dispute-reinvestagation in progress. I contacted Equifax and was advised by a representive that they had sent information over to the company for a dispute on past due payments and because I requested for the account to be closed. Equifax never received a response from XXXX XXXX so the account was not removed for the reasoning of the dispute. I advised the representative that the information I submitted was not in regards to past due payments and that the account was already closed and I was requestinv for this account to be removed. This vehicle was registered under a company. That is still showing under dispute and under the FCRA after 30 days with no response from the creditor the credit reporting agency will have to remove the account and stop reporting it. She then changed her story and stated there were no disputes on my account and because they didnt receive anything from the creditor they made the decision for them. ( Even though they did not even receive a response to the information submitted to the company. ) I advised her this is completely against any laws that protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and unknown person misused my personal imformation to obtain credit cards, and loans. i demaded that yall do a investigation and remove these from off my credit asap.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I requested that Credence Resource Management validate an account for XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate entry on my XXXX report, which has prevented me from opening a bank account. The report indicates suspected fraud activity on an account with Bank of America, which I strongly dispute as inaccurate. The closure status is marked as No Monetary Loss, further suggesting that the report is not reflective of actual fraudulent activity. 

I contacted XXXX to dispute the entry, and they referred me to Bank of Americas fraud department. Despite multiple attempts to resolve the issue, the fraud department was unable to assist or provide any documentation supporting the claim of fraud. 

This unresolved issue has significantly impacted my ability to access basic financial services. I can not open a bank account, which affects my ability to receive direct deposits, manage bills, and maintain savings. 

I am requesting that the CFPB investigate this matter, ensure that the disputed information is either corrected or removed from my XXXX report, and provide any relevant supporting documentation to justify the initial report.
Product: Checking or savings account

Bank of America on XX/XX/2018 withdraw {$1200.00} from our checking account for a credit card charge off. The charge off is from an Corporate Account issued credit card. the account that the funds were taken from was a completely different account ( husband and wife/XXXX XXXX acct. ). We received no letter or notice that this was or had transpired. We are also going to receive overdrafts due to Bank of America taking these fund from our account.
Product: Credit reporting or other personal consumer reports

This supposed debt has been sold to XXXX XXXX. I have asked for them to verify the debt. On my credit report it states that XXXX XXXX owns the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 EQUIFAX These inquiries were reported on my credit on these dates. I have no knowledge of these. I have filed complaints with both XXXX and Equifax, nothing has come of it yet. I have also filed complaints with IndentityTheft.gov. I would like these to be removed as there were not me. thank you.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting or other personal consumer 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 I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEARS ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have Incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

under the 15 USC 1692 g validation of debt, I do not recognize how this accounts are reporting on my credit report. I don't recognize the accounts number I don't recognize the accounts status. I don't recognize the high balance, nor I don't recognize the late payment associated with it everything that is reported on these accounts does not meet the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUION is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties and is INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.
Product: Credit reporting 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 : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX 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 and list of Inquiries. 


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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), XXXX : XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of Inquiry : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-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.