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

I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit reports. My latest credit reports show six ( 6 ) hard credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Item No. Creditor Account 1 XXXX XXXXXXXX  inquired on XX/XX/XXXX XXXX & XXXX 2 XXXX XXXX XXXX inquired on XX/XX/XXXX Equifax 3 XXXX XXXX XXXX services inquired on XX/XX/XXXX Equfax 4 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX Equifax 5 XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SCA Collections Agency failed to validate this debt for this alleged collection account # XXXX. They received my dispute as of XX/XX/2021 where I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account.

You are illegally attempting to collect the above-listed alleged debt.

They responded with medical bills as if that was what I requested and did not validate this account at all which leaves them in violation of Title 15 1692Ga Furthermore they are falsely stating this alleged debt was an " account '' According to Title 15 1693A2 " ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; '' this means that SCA collections Agency is in violation of 15 U.S. Code 1692e.False or misleading representations For falsifying the character of this debt Delete immediately
Product: Debt collection

We had XXXX as our carrier in XXXX and XXXX. We had no issue with service but in XXXX of XXXX we moved to XXXX XXXX, XXXX. We had a very bad signal and could not even activate a hot spot it was so bad. People in the area and at the XXXX local office itself says it is a known issue. We had to switch carriers because we could not get service and XXXX still is attempting to collect cancellation charges through Convergent. A collections item has now appeared on my credit report and is very damaging to my score. I should NOT have to pay an early cancellation for a service I can NOT receive!
Product: Money transfers

At the beginning of XXXX 2015 I signed up for a PayPal account. All I wanted was the ability to simply pay my friends directly from my bank account. That is it. Then about a XXXX ago I got some mail from them that looked like an agreement of some sort. I did n't really go through it thinking it was n't important. Then today I got an email from they saying I owed {$15.00}. So weird and unexpected. I logged into my account to discover a newly added payment option, PayPal credit. They had opened a credit line under my name for {$1000.00} with an APR of 19 % and apparently when I had gone to pay my cousin {$15.00} I owed her it charged it to this credit account even though as far as I am concerned I chose to pay her directly from my bank account. 
I am furious. I emailed the company and called them. The customer service rep said I " probably clicked on a button agreeing without realizing what I was doing ''. I have multiple credit cards and a very good credit line. I would NEVER agree to a credit account with PayPal. I do n't need it and I already do n't trust an online wallet like this. The only reason I even opened an account was because I owed my friend money and they encouraged me to try it out. HUGE MISTAKE! 
I told the customer service rep that I never agreed to a credit account and that they had illegally done so. I also asked to have my account closed immediately. I then went and reported them to all XXXX major credit bureaus as illegally checking my credit.
Product: Credit reporting or other personal consumer reports

i am a victim of XX/XX/XXXX this is my second attempt of notifying the bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$100.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$100.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2012 with a credit limit of {$300.00} -This is not my account.
Product: Credit card or prepaid card

I was charged a {$19.00} member fee from Capital One in XX/XX/2018. I was not notified of this, and had not used the card at all for months prior. Three months later ( XX/XX/2018 ), they reported me to the credit bureau for not paying what was now a bill of {$110.00} due to late fees.

This drastically dropped my credit score and has prevented me from buying a house. I do not think this is justified because I have never made a late payment before and I paid the full fee of {$110.00} on XX/XX/2018 immediately after realizing I had an unpaid balance. 

I would like this removed from my credit report as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my Complaints # XXXX, XXXX, XXXX have been closed last XX/XX/XXXX. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 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 block these files. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Amount : XXXX Company called me & I told I couldnt pay because I have a lot going on.
Product: Credit card or prepaid card

XX/XX/19 I received an email from my banking institution that informed me that Barclay Card US had changed my credit card number and they had updated that information on the bank site where I pay my bills. I was notified in the same email that there was no need for further action. Further stating if I had questions to contact the credit card company directly.

I immediately made that call to Barclay only to be met with " a why worry attitude '' by every representative ( I spoke to 3 ), regarding this change. I further expressed my concerns that they could go in and change a card number without notice, that I had not initiated due to a lost or stolen or fraudulent event. Expressing that this was " NOT NORMAL '' procedure, they caused me a great deal of momentary grief and concern as I attempted to find the answer to " why ''. Their only response was " it was a security measure that they commonly practice to insure my card was secure. '' I stated I'd been doing business with them for at least 10 years and never had this happened. I have had ample credit cards throughout my life and NONE had ever taken such a measure to secure my card unless " I initiated '' the change due to a lost/stolen or possible fraudulent transaction. All I kept getting from them was apologies for the inconvenience and nary a legitimate engagement regarding my concern this happened in the first place. 

When I asked them to make sure that the powers that be get my escalated complaint of this poorly initiated changed and failure to communicate that it was happening I could not help but feel like they were humoring me only by saying they'd submit a report of my complaint and call. 

To clarify I also left an email ON THEIR WEBSITE from my login area that was secure. In that note, I stated that I received an email from them -- -THAT WAS AN ERROR and oversite on my part and incorrectly stated. I immediately saw red, became concerned and overlooked who the email was actually from which was my banking institution. I have saved a copy of it and will attach, along with the last copy of my billing statement from Barclay that has the last 4 of the old number, and a snapshot of the new barclay page reflecting the last 4 of the new number. They said the new card is in the mail as of XX/XX/19 and that the old card would still be good until XX/XX/2019. I expressed my grave concern that to me, they had INCREASED my possibility of being compromised having TWO active number cards circulating, of which I DO NOT EVEN HAVE THE ENTIRE NEW card number yet!!! Again, a very wrong way to go about " securing '' a clients card.
Product: Credit reporting or other personal consumer reports

My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as one inquiry and that i need to contact the companies directly. I told them that i was supposed to have a fraud alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me : XXXX  financial/D XX/XX/2024 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXXXX/XX/XXXX equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

There are also 2 fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX. amount {$240.00} XXXX XXXX XXXX XXXX. amount {$460.00}
Product: Credit card or prepaid card

In XX/XX/2020 my Barclay card was written as a charge off and sent to a debt collector. That debt collector then sued me for the balance in XXXX XXXX XXXX in New York. I have gotten a letter from the court stating my balance was paid in full. Barclay card is still reporting on my credit report that I owe {$12.00}. Therefore giving all negative remarks on my credit report. My balance was paid off in court.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I am entitled to th

is action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were fraudulently opened in my name and do not belong to me : 1. XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened : XXXX Amount : XXXX 2. XXXX XXXX Account Number XXXX XXXX XXXX Opened :XX/XX/XXXX Amount XXXX XXXX  3. XX/XX/XXXXAccount Number XX/XX/XXXX Opened : XX/XX/XXXX Amount : XXXX 4. XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX  5. XXXX Account XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX 6. XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX  7. XX/XX/XXXX Account Number XX/XX/XXXX Opened : XX/XX/XXXX Amount : XXXX 8. XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX 9. XXXX XXXX XXXX Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX} 10. XXXX Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXXXXXX 11. XXXX XXXX Account Number XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX Additionally, please remove the following unauthorized inquiries from my credit file : XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy. 

Account name XXXX XXXX XXXX  XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has violated my rights . 

15 USC 1681 SECTION 602 states I have the right to privacy. 

15 USC 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by XXXX and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts, XXXX and XXXX several time this year, the last two disputes were in XXXX and XXXX and XXXX dispute came back verified from Transunion. I disputed the three credit bureaus because I discovered that someone got two additional cars in my name. I am a verified victim of fraud. I have reported this information already to the police and I have a FTC report. I sent in the FTC report to each credit bureau per their instructions because theyve had my identity theft and fraud victims police reports for several years.XXXX and XXXX both deleted the accounts and blocked them from being report but Transunion continually verify the fraudulent accounts even with all my documents they continue to verify them. As you can see from documents uploaded they are the only credit bureau still reporting it. The FTC report is a new one to show what I already sent them. I had to update it in order to get a copy of what I sent in.
Product: Credit reporting or other personal consumer reports

Fraudulent collections : XXXX XXXX SE- XXXX Opened XX/XX/XXXX {$270.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$760.0XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$290.00} Unauthorized Inquiries : XXXX  XXXX ( Bank ) XX/XX/XXXX My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by Law.

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please delete these items immediately until your investigation is done or I will hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without Prejudice
Product: Debt collection

Santander Bank is attempting to collect {$1500.00} that I do not owe them. The debit card charges making up this balance is the result of identity theft. I will NOT pay this!