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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$870.00} - Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXCharge off XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1000.00} XXXXCharge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} XXXXCollection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MACYSDSNB XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX ACCOUNT ENDING IN XXXX IS NOT MINE ACCOUNT I SENT A DOCUMENT FROM THE CREDITOR WITH THIER RESULTS. EXPERIAN DIDNT DELETE THE INFORMATION
Product: Checking or savings account

Capital one account not receiving my deposit. They can not tell me when it will be available and Im living paycheck to paycheck
Product: Money transfer, virtual currency, or money service

I have a personal PayPal account and someone sent me an XXXX on XX/XX/2024 for {$200.00}. I spoke with XXXX on XX/XX/2024 and they told me I would be getting the funds on XX/XX/2024. However, I still have not received the funds. I contacted PayPal live support and spoke with XXXX, who informed me that I will not be getting the funds until XX/XX/XXXX, as weekends are not counted. I replied that I was told I would receive the funds on XX/XX/2024. XXXX responded saying that the holiday weekend will make the transfer longer. I feel like I am getting the runaround with this payment, especially considering it was supposed to be transferred in XXXX and it is now XXXX. 

On XX/XX/2024, I asked XXXX to explain why my account shows that funds were transferred in XX/XX/2024, when it is now XXXX. XXXX refused to answer me. The way the customer service representatives speak to me in their live support makes it sound like either they are AI or PayPal has pre-filled information that they simply click a button to send to customers. They refuse to address this issue. 
As a craft creator, I have spoken with over 10 others who sell crafts and they have all said they had to stop using PayPal because they were not receiving funds for two months and PayPal tends to side with scammers. I can understand why everyone is leaving PayPal and using XXXX instead. 

Every time I ask XXXX a question they send me this pre filled information four times in the Live chat and they will not answer my question did they see my screenshot or not all they do is send this pre filled information I'm really sorry, XXXX. When an eCheck payment is processed, it usually takes between 4-7 business days to clear, but sometimes it may take longer ( Saturday, Sunday, and Holidays arent considered business days ). So, from the date of transaction i.e XX/XX/2024 it takes 4 - 7 business days to clear the Check. As on XX/XX/2024, and XX/XX/2024, was holiday, that is the reason the clearing date of your XXXX will be on XX/XX/2024.
Product: Prepaid card

I recently got a {$500.00} prepaid vanila visa gift card. And when I checked my balance all XXXX was spent on XXXX on XXXX XXXX XXXX XXXX I didn't spend a single XXXX  since I just got it yesterday. Please help me
Product: Credit card

I am joint on a credit card with my sister. My sister has charged it to the limit XXXX twice. She and her husband paid it off in XXXX 2015. At that time I was to be removed from the account after 30 day to ensure it would be reported correctly on my credit report. However, when I called to make sure I was removed, they said the account had been closed, but they would have to reopen it to ensure proper in reporting, so I said in thirty days I would be removed. So they never removed my name because they say my sister does not qualify on her own and just opened it with me still on it. Now she has run it up again, and has not made a payment in 4 months. This is negatively affecting my credit because the balance of {$10000.00} is a XXXX of my income she makes almost {$XXXX} a year. I have been on the phone with the credit card company 2 hours at a time on two different occasions and they refuse to remove my name from this credit card I do not recall authorizing I did not authorize them from the beginning. I do n't know this. I do n't want this burden of this that reflected on my credit report and negatively being reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DATE WAS XX/XX/XXXX XXXXINQUIRIE IS ON MY CREDIT REPORT THAT I DONT RECOGNIZE AT ALL..I WAS TOLD TO REPORT TO FTC..
Product: Credit reporting or other personal consumer reports

Accuracy of credit report- 15 USC 1681 ( e ) XXXX XXXX XXXX  Account # XXXX {$760000.00} XX/XX/XXXX XXXX Account # XXXX {$4600.00} XX/XX/XXXX Recently I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that the credit bureaus are suppose to re-investigate these accounts for me to ensure accuracy.
Product: Debt collection

My credit report includes several accounts that I didnt consent to. I request their prompt removal due to potential fraud.
Product: Consumer Loan

In 2007, I had leased a vehicle through XXXX. At the end of the lease terms, I requested to continue ownership and make payments on the vehicle since the car company was no longer in business ( XXXX ). My request was refused. I surrendered the vehicle at the company 's request and continued to make payments. I fell behind on payments since I needed a vehicle to get around ( based on my location and XXXX ), I entered into another car loan agreement. When I began to remit payments on the surrendered vehicle, my payments were refused and returned electronically by my bank, as I was advised that my account had been closed and charged off. Subsequently, I was contacted by an outside collection agency regarding the balance. I made payment arrangements with the XXXX and had submitted payments as agreed. Sometime after I was sending payments, my payments were being returned to me by my bank - after contacting the outside collection agency regarding the returned payment, the XXXX advised that they no longer had my account and I needed to contact the company, Ally. I contacted XXXX, and the representative advised that they did not have access to my account since the account was closed/charged off. This left me at a disadvantage to remit payments. As a result, my credit score plummetted as XXXX and the collection agency reported that I had defaulted on my payments. I attempted to resolve the debt, but the payments continued to be refused. Recently, I have been contacted by another outside collection agency requesting a different amount from the original balance. I have requested detailed information from them including, but not limited to information on how they came up with the amount they are trying to collect, verification that the statue of limitiation has/has not expired, proof they are authorized to collect in my state, which they have not provided. They only sent a copy of the lease agreement and a statement with a different amount that they are attempting to collect.
Product: Checking or savings account

XXXX shopping account online hasrequested i show proof that theVisaBank of debit card that i put on my account but comes up in XXXX system as a Bank of America-and XXXX card. Bank of America finally a company has requested proof of my debit card  ending in XXXX being on my sole bank of america account. I CAN NOT send them proof Bank of America because as i have complained since XX/XX/XXXX there was a checkcard scheme attached to my monies. NO WHERE is my debit card ending inXXXX logged by myboa statements since XXXX that i was issued as per summerall boa regulatory respinse thru the cfpb summerall states the XXXX debit card was issued to me in XX/XX/XXXX ON My BOA bank statement as i have been reporting to the FTC the OCC and the usdept of Justice and the cfpb ... .NOT Once is my debit card recorded on my boa statements. if boa checks the digits ' on my debit card as per XXXX it is invalid. XXXX had it asa bank of america and XXXX XXXX XXXX, so there is a BOA wealth management account opened in my name and i am requesting from BOA to reveal the details. ALSO i am requesting proof of the document that states i was issued the debitcard ending in XXXX in XX/XX/XXXX and proof of it being used on my sole account ending XXXX so i can utilize it with XXXX. XXXX thinks it is acredit card so i am also requesting the details and copies of the billing statement with proof of the use of the XXXX card issued bank of america and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report. 

XXXX XXXX XXXX  XXXX Balance : {$69000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have contacted all 3 credit companies and the XXXX XXXX XXXX about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.
Product: Credit reporting or other personal consumer reports

I Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Demand for Immediate Removal of Inaccurate Collection Account and Compensation To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding inaccurate collection account ( s ) falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorised and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these accounts violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 607 ( a ) ( 1 ) and ( 2 ) : Consumer reporting agencies obligation to maintain accurate, complete, and up-to-date information.

FCRA Section 615 ( a ) ( 1 ) : Debt collectors ( data furnishers ) obligation not to furnish inaccurate information to credit reporting agencies.

FCRA Section 621 : Potential liability for failing to comply with the FCRA, including actual damages and a penalty of XXXX XXXX- {$1000.00}.

15 U.S.C. 1681i and 1681j : Credit reporting agencies ' obligation to ensure maximum accuracy and their potential liability for non-compliance.

Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 
I have never had any dealings with the above persons and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of all inaccurate collection accounts from my credit report by XXXX, Equifax and XXXX. 
Compensation for my time and effort spent disputing these illegal accounts. 

Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

sent over {$150.00} on XX/XX/XXXX but it was sent back to me and didnt receive it until XX/XX/XXXX with no notice and I didnt know if the transaction had failed since it stayed pending in my account
Product: Credit card or prepaid card

Did not receive my welcome bonus even though I finish the purchasing requirement.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : REASON : XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT