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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I previously had this fraudulent debt from XXXX XXXX removed by the collection agency, XXXX in XXXX of 2021. Now another debt collector has unlawfully placed the debt in my credit report. The medical debt is the result of identity theft. Identity theft report attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place validating the debt, That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices please delete this account immediately
Product: Credit card

In XX/XX/XXXX I made an in store purchase for {$110.00} with my XXXX XXXX  card. This was the only purchase on my card. In XX/XX/XXXX I paid the card balance in full. 

In XX/XX/XXXX I got a credit alert that my credit has decreased by XXXX points. XXXX points. I looked at my credit to find out that XXXX has an outstanding balance of {$26.00} that has damaged my credit. When I called XXXX I was told that in XXXX there was a {$2.00} finance charge that has since compounded to {$27.00} causing an outstanding balance on my credit card. 

This finance charge sounds like interest and is usurious. It is also unexpected because in XXXX the total balance told to me was {$110.00} that I paid in full. 

Comenity bank is charging consumers usurious interest on paid bills as a " finance charge ''. Many consumers don't even know about this and XXXX have incurred hundreds of dollars in this compounding finance charge outside of the interest.
Product: Credit reporting or other personal consumer reports

I appreciate the effort made to address some of the fraudulent items in my file stemming from an alleged identity theft. However, there are still unresolved items that require attention. This marks my third complaint regarding being a victim of identity theft, and I have diligently submitted disputes for the inquiries and inaccurate information resulting from this crime. The items I am disputing do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized. I urge you to remove the reporting of these inquiries from my credit file, as they are the result of alleged identity theft : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me, and I have doubts about their accuracy, especially considering that similar information has been deleted from other bureaus. Additionally, the reported history dates on these inquiries are unclear to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I urge you to take action promptly to address these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The Ohio Attorney General 's Office, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to rectify the issue. Specifically, the account listed under XXXX XXXX in the amount of {$22000.00} was previously removed from my report but has been improperly reinserted by Equifax. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) as the account remains inaccurate and unverifiable. 

Furthermore, I would like to bring to your attention the recent lawsuit filed by the New York Attorney General against Equifax, which highlights their failure to ensure the accuracy of consumer credit reports and proper reinsertion procedures. The lawsuit alleges that Equifax has engaged in unfair and deceptive practices by failing to adequately address disputes, allowing inaccurate and unverifiable information to remain on consumer reports, and reinserting previously deleted accounts without proper notification or validation. 

In light of this legal action and the continued presence of inaccurate information on my credit report provided by XXXX, I am requesting that the following actions be taken immediately : The removal of the inaccurate XXXX XXXX account in the amount of {$22000.00} from my credit report. 

A thorough investigation into the accuracy and validity of any information reinserted by Equifax and shared with XXXX. 

Written confirmation that the inaccurate information has been deleted and will not be reinserted in the future without proper verification and notification, as required by the FCRA. 

Please consider this letter a formal dispute under my rights provided by the FCRA. I expect a response within the legally mandated timeframe of 15 days. Failure to comply with this request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

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

The letter I sent on XX/XX/XXXX was my 2nd letter informing the Credit Bureau that I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an identity theft. These items are unknown to me. Also, the information that some Credit bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. XXXX has ignored the evidence and is still assessing ownership of this fraudulent account to me.
Product: Credit reporting or other personal consumer reports

''reporting information on consumer 's credit report without their written consent is identity theif. I did not give anyone written or verbal permission for them the place such information on my consumer report. because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. inquiries : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed a account # XXXX with XXXX XXXX XXXX for a credit card machine used in my medical Practice on XX/XX/XXXX. XXXX XXXX returned on XX/XX/XXXX to the company. Invoices had been paid up until that point by automatic bank withdraw from the medical practice business account at XXXX Bank, XXXX XXXX, KY. We were never contacted by XXXX XXXX XXXX XXXX any outstanding balance. 

In XXXX I was contacted by Southwest Recovery services about an outstanding balance, I sent copies of the XXXX shipping receipt to Southwest Recovery on XX/XX/XXXX. Asked about specifics on how I had accrued a balance and i was sent some invoices issued AFTER I had returned the machine in XX/XX/XXXX which At some point in XXXX I was reported to credit agencies and my credit score has dropped about XXXX points. 

Contacted XXXX XXXX XXXX and the accounting department would not talk to me. 
Contacted again Southwest Recovery and spoke with a different person asking for explanations, the only response that I got consist again of copies of invoices ( 2 different format sent by separate emails ) issued by XXXX XXXX XXXX AFTER the account had been closed and AFTER the credit card terminal had been returned with an appropriate XXXX number.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FILE # : XXXX XXXX XXXX PIN # XXXX XXXX To Whom It May Concern : This is NOT a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged XXXX  service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured XXXX  identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar Associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account t

hat may be time-barred as well as violation of NEW JERSEY medical privacy rules . I also hereby reserve my right to take private civil acti
on against you to recover damages. 

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Paid off my car loan on XX/XX/XXXX. Requested letter of lien release so I could sell the car immediately. This was the reason I paid the car off years early. Was told after the fact that an unexplained 10 day holding period was required by Ally Bank ( not sure why this would be necessary ). No mention of this was made at or during the time of the loan payoff. Had I known this I would not have invested in advertising my car for sale that day. Today is XX/XX/XXXX ( beyond the unexplained 10 day hold ), still no release provided or any communication as to when I will receive it. As a result I am being continually denied the right to freely sell my property. Ally Bank tells me they will only mail or possibly fax a copy of the letter once generated, no email capability or other modern electronic capability exists there to expedite the request. It's as if they still use stage coaches there. As a result of this delay I have lost opportunities to sell the car to interested parties while I wait for Ally Bank to act and fulfill their obligation to release the lien upon payment. I've reached out on a daily basis to Ally Bank via phone and chat to ask for resolution. No process exists according to the phone operators to accommodate or expedite this. Zero care or consideration. I'm prisoner to their antiquated ways.
Product: Mortgage

XX/XX/XXXX I applied for an assumption loan via Carrington Mortgage. I was initially denied the assumption process due to a credit card payment being over 90 days in the previous 12 Months. I provided the manual underwriting from HUD.gov and advised them that I have an extenuating circumstance. They agreed to review the account at that point however, once the account made it to underwriting XX/XX/XXXX they suspended the review of my account stating that I had late payments from XXXX and XXXX that would not be approvable. I provided the article from the HUD manual underwriting stating that an applicant credit worthiness is contingent on the previous 12 months and asked for them to provide me with the article that they use to reference past credit worthiness so that I could educate myself. They refused to do so. My application was denied and not reviewed within the guidelines of FHA. Carrington Mortgage is not following FHA/HUD protocol and refuses to provide supporting documentation when asked. Not only is this not fair to a future mortgagor but it is also unfair to the FHA/HUD program which is aimed to help future home buyers. Carrington mortgage should be audited to ensure they are following FHA/HUD protocol XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Debt collection

This debt does not belong to me. Please remove it and block it from my credit reports.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX