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

SECOND NOTICE FORMAL DISPUTE LETTER ( For XXXX XXXX XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Cease and Desist All Collection Activity Dear XXXX XXXX XXXX, I am writing to formally dispute the validity of the alleged debt referenced in your Pre-Legal Notice dated [ Insert Date ] regarding account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Disputed Account Details : Original Creditor : XXXX XXXX XXXX XXXX 
Merchant Name : Diamond Preferred Charge-Off Date : XX/XX/year> Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
MCM Account Number : XXXX Alleged Balance : {$7400.00} I am demanding full validation of this debt, including : A complete account history, including statements and signed agreements proving my liability. 
The original contract or agreement with XXXX XXXX XXXX XXXX that establishes my legal obligation. 
Proof that your company legally owns or has been assigned this debt. 
A breakdown of the alleged balance, including principal, interest, and any fees applied. 
Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Any further attempt to collect this debt without proper validation may be considered a violation of the FDCPA.

Additionally, if this debt is inaccurately reported to credit agencies, I am requesting its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. 

Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. 



Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable )
Product: Credit reporting, credit repair services, or other personal consumer reports

Laws you violated. 

Upon checking my Account again the items listed below have not been handled correctly per Law. 

Violation 1.

15 U.S.C 1681 ( c ) ( 5 ) these are adverse items on my credit report and I demand that you remove them.

Violation 2.

15 U.S.C 1681 ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy. I have through previous letters provided proof of the inaccuracy of the Date opened, payment status, last reported, and date last active, and date of last reported. You refuse to remove or correct the erroneous report.

Violation 3.

15 U.S.C 1681i After re-investigation and proof of inaccuracy you did not delete the items as per law. When an item is found to be inaccurate or incomplete or can not be verified you shall delete it.

Violation 4.

15 U.S.C 1681 ( B ) You are to provide contents in writing of the results of the reinvestigation, description of the procedure used to determine the accuracy etc. None of this was provided.

Violation 5.

15 U.S.C 1681l Violation 6.

15 U.S.C 1681n I never gave permissible purposes.

Violation 7.

Negligence to comply with the laws of inaccurate items.

Violation 8.

15 U.S.C 1681q Obtaining my information under false pretense.

I have sent previous letters to you stating your wrongdoings. I demand you remove these accounts from my credit report immediately or I will file litigation and Lost damages.

According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated. You refuse to remove this negative Item from my credit report and obey the law. Also, according to 15 U.S.C 1681 ( h ), this has been another violation of invasion of privacy because I never gave XXXX the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. It has brought major emotional distress to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 loan became delinquent since then this company has been reporting late payments every month which is illegal by law after 180 days account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting I also requested proof of how this account was verified and how they determined it was accurate which i never received On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update/remove this account I am asking that this account be removed from my credit report as it is being reported illegally and going against my consumer rights and failing to verify the accuracy and is negatively affecting my credit i am trying this last resort before seeking legal help. below I have attached copies of how it is being reported differently on each bureau thank you.
Product: Debt collection

This medical account is paid off since XX/XX/2017. My medical information was shared without my consent to the collection company. More than just my name, address, and amount owed. Procedures were also sold to this collection company. This goes against HIPPA regulations.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and XXXX, Experian and XXXX all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to remove the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cashapp, also know as Block , Inc . This due to nonexistent or improper customer and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). On multiple occasions cash app has failed to take timely and adequate measures to address fraud or prevent fraud. Because of this my account has been left venerable and unprotected. Furthermore, there dispute and resolution process is unfair. They did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused me a significant financial loss and inconvenience and I seek appropriate redress for these violations.
Product: Debt collection

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Comenity Bank ( Express Next Card ), XXXX XXXX, XXXX XXXX XXXX, and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  L Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX  for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Product: Credit card or prepaid card

Approximately 4 years ago in an attempt to stop paying so much interest, I made an agreement to pay off my citi preferred credit card balance by paying a set amount until it was paid off-0 % interest. A little over a year ago I called and asked if they would lower my payment. I was advised my payment could be lowered and that it meant the total that I owed wouldnt be paid in the original time that was set-not that there was a problem with that. Now, a year later they are calling me to let me know the balance will be due in full at the end of XX/XX/2019. When I made the agreement to lower my payment it was my understanding that they were agreeing to the lower amount until the debt was paid in full. Not, we agree to let you make lower payments and then surprise you will still owe us the full amount in the same time as the initial agreement. What sense does it make to agree to lower someones payment knowing in the end that they will still owe the same amount in the same amount of time? How does that possibly help your customer? Beware.
Product: Checking or savings account

I leased a car through XXXX, I returned the car and was charged {$2600.00} by XXXX, and this amount was taken out of Chase Bank account ( ending on XXXX ) on XX/XX/2022. This was an unauthorized transaction, and I reported it to Chase Bank, and they reversed the charges on XX/XX/2022. Subsequently Chase once again reversed the charges on XX/XX/2022, stating that XXXX had submitted paperwork claiming i owed them {$2600.00}. I have never received any information from XXXX on a claim. I whole heartily dispute the amount claimed by XXXX, and Chase bank has no right to debit my account without my knowledge or approval. I have a dispute with XXXX, and Chase can not act as the arbitrator or mediator. Therefore they should not have debited my account without my approval, this is not their dispute, therefor they should remove themselves from the dispute and return my {$2600.00} and allow myself and XXXX to dispute this amount through the proper legal channels. This unauthorized debit of my account emptied my account of ALL funds and overdrafted my account causing me to to be unable to pay any bills, rent, phone, food, any expenses whatsoever. Once again I would explore Chase Bank to return my {$2600.00} and allow XXXX and myself to pursue this matter through the proper legal channels.
Product: Credit card

Over the last XXXX years, I've had to reconcile all of my accounts because there have been history of accounts being on my credit report that does not belong to me. About XXXX months ago, I finally figured out that American Express had erroneously allowed XXXX additional credit cards as part of my account and those XXXX cards does not belong to me. I've contacted American Express and they confirmed indeed the credit cards ( there were XXXX ) they have in my account information does NOT match with my SSN and birthday, and all other personal information does not match neither. But SOMEHOW -- they still made it into my account- which is baffling. After submitting the required paperwork to have them MANUALLY review and confirm my identity, I called American Express to follow up on the progress only to find out NOTHING has been done. I've requested yet again for the correction and asked for compensation for all of the issues I dealt with re : my credit scores, etc. The customer rep literally offered me {$25.00}, I wasn't sure if I should laugh or cry so I may have laughed out loud at the rep, I feel somewhat bad about that - anyways- this is still not resolved and I honestly is at a loss on what I can do and have no idea what ( if anything ) I am owed.
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 
XXXX XXXX XXXXXXXX - XXXX {$2600.00} Credit card XXXX XXXX XXXX XXXX {$2500.00} Charge account Negative XXXX XXXX XXXX  - XXXX {$610.00} Lease Negative XXXX  - XXXX {$5900.00} Charge account Negative XXXX  - XXXX {$2100.00} Charge account Negative XXXX- XXXX {$530.00} Charge account Negative XXXX XXXX XXXX XXXX {$0.00} Line of credit Negative XXXX  XXXX - XXXX XXXX XXXX  Unsecured loan Negative XXXX  XXXX - XXXX {$0.00} Credit card XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX  - XXXX {$21000.00}
Product: Credit reporting or other personal consumer reports

**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. 

Moreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account in violation of both the FCRA and the Privacy Act of 1974. 

I request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings.

These actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. 

Thank you for your prompt attention to this matter.
Product: Mortgage

A few years back I called to defer one payment. United wholesale mortgage said they didnt do that. They put me on a different plan where for three months I didnt have a payment and they said they would put the payments on the end of my loan.

A year went by with me trying to make payments and sending in paperwork for them three different times for them to create something the VA would approve. Then when I went to fax in their approved plan by the VA they were hacked and everything was still for a few more months. Then I had to file bankruptcy. My lawyer dismissed my case because they are paid but they say I still owe them over XXXX. When even on my statements there is XXXX in unapplied funds. United wholesale Mortgage does not work with their customers.
Product: Credit card

I received XXXX letters from credit card companies that someone is trying to open credit card in my name. The cards were denied for further information required. I froze my credit with the XXXX credit bureaus, XXXX, XXXX, XXXX. Dates were XXXX XXXX XXXX XXXX
Product: Debt collection

This is a supposed legit lawyer trying to collect on unpaid XXXX XXXX XXXX pass fees! Problem is Ive never been on XXXX nor has my car! I didnt even own a car in XXXX And if u look this up on XXXX others have received same phony notice also XXXX XXXX XXXX has no record of this debt!
Product: Debt collection

XXXX taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did XXXX speaking to MIdland new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( Midland XXXX are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again XXXX Midland try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. XXXX I keep all my documents etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

XXXX attempted to collect for a 2 year contract after 3.5 years of service, said contract expired 1.5 years prior ; and was month to month with them.I had warranty coverage & XXXX told me to call them about my lost phone.Warranty co. stated : XXXX warranties are only for 2 years on any phone, but they collected thru my Billing Statement at $ XXXX every month for 3.5 yrs., even after warranty on phone had long ago expired.They then billed me for violating a contract at a supposed pro rated amount of XXXX. Next month and when called the # on back of bill ; new charges showed up on bill, but different amounts when I called them. I am severely XXXX, XXXX condition and XXXX told me : It does not matter. The only way you can resolve this is : Go to your nearest store, which is 2.5 miles from my house. Every time I called XXXX about the issue, I continued to get differing amounts and they could not explain the amounts. They refused to try to fix it and sent it to collections, and the phone agents could never explain the charges ; and stories differed each time you called ; but I do not owe them a penny. They collected on an expired warranty and they sent it to a few collection agencies, and they continue to harass me on my cell phone, which I use 1 day a week if need to go out anywhere ; store or Doctor appt. I never have received a billing statement from the XXXX different collection agencies that have called, which I know that after calling me in XXXX they must send a copy of a Bill in dispute within 5 days. T Mobile has been sued and involved in Class action Lawsuits over the same issues and lost both times ; but they must still be making much more than a Class action Lawsuit cost them, for I know they took a big hit in XXXX XXXX XXXX. I am trying to get them with others in another Class action suit and take it to XXXX, XXXX, to file it in my State for XXXX will cost them the most, and hit them harder than any other State in the US. This should have been stipulated in the prior Suits ; but they continue to cARRY ON Business and Fraud in the same manner as prior to the Lawsuits.
Product: Checking or savings account

somebody got a hold of my personal sensitive information such as social security, phone number, account number etc. They went as far as going to a TD bank branch in new york when i live in new jersey and were able to verify all details on my account and withdraw money from my checking account because she had a new jersey state id with my info but her picture.