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

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UXXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DEPTEDNELNET, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DEPTEDNELNET, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DEPTEDNELNET has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DEPTEDNELNET. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Product: Credit reporting or other personal consumer reports

If you dispute negative information on your credit report and the " bureaus '' don't remove it. you can use the arbitration process to get {$1000.00} for each negative item without having to ever go to court. 
And your disputed information gets permanently deleted.

( 15 USG 1681n ] But you'll keep serolling.. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX and I sold our home in XXXX of XXXX, and moved out of state. We cancelled our security service with XXXXXXXX XXXX at that time, which was an ordeal, because my XXXX tried XXXX  times to call and set a cancellation date, but they wouldn't complete it without me on the line. We finally managed to find time to call to cancel it about a XXXX  after we moved and sold the home ( about XXXX XXXX ) while we were in the car. The XXXX representative placed the account on hold during the prior call my XXXX  made to them between XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), I received a collection notice from XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX ) I received XXXX bills ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) which had been bouncing around the postal system 's mail forwarding system from XXXX regarding XXXX unknown account at our old address. Apparently, they bought XXXX sometime around the time of our sale, and our account wasn't cancelled, or was reopened in ADTs system. Since this was brought to my attention XXXXXXXX XXXX XXXX I have attempted to contact XXXX about this, and have been told there is nothing they can do about it, since they referred it to a collection agency. The collection agency has been contacted and has received copies of the closing details, but since they don't have records about the origin of the debt, they don't know whether they'll be able to do anything about this or not. 

In the meantime, while I wait on hold endlessly on the XXXX phone system for the XXXX XXXX in a row, I am writing a complaint, because this is something that could have easily been avoided, and if they could take the time to admit their mistake and correct it would not be wasting days of my time trying to deal with it, assuming that I am even able to deal with it, since everyone has already washed their hands of it. XXXX XXXX and XXXX did a poor job of handling their own records, and XXXX is trying to make me pay for a bill for services they never rendered to me, at an address that I do not own, under an account that I never authorized.
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 Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX 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

Experian is refusing to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions Im Im Im sorry sorry for 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

I have inaccurate information on my report that needs to be removed immediately. The credit bureaus keep disrespecting the laws and practicing unfair. I showed them on several occasions that they are violating areas of the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify and delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus don't have my written permission According to 15 USC 1681 I HAVE THE RIGHT TO PRIVACY THERE ARE NO SUCH THINGS AS LATE PAYMENTS ACCORDING TO 15 USC1666b ( Remove any late payments reporting ) According to 15 USC 1681s- 2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

These accounts are incorrect and needs to be removed from all credit bureaus IMMEDIATELY : XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( NOT MY ACCOUNT ) XXXX XXXX ACCOUNT : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX , SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX , GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) XXXX XXXX ( REMOVE ) XXXX ( REMOVE ) XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) I  have attached reports that needs to be corrected. I have requested reports from XXXX but they fail to comply. 

Remove all addresses reporting on my credit profile except XXXX XXXX XXXX XXXX XXXX Ga XXXX. No other address should be listed. They aren't mine. Delete all phone numbers from my report except XXXX. Delete all employment history as it is inaccurate.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an inquiry from XXXX that is due to be removed at this time
Product: Debt collection

Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this negative item on my credit report. 

I was not given a fair shot to dispute this information before it affected my credit report, which violated my rights. Then i sent in all the correct supporting documents ( which was advised from them ) and they still never communicated back to me by removing this item, never sent me any details about this false account. I want this item removed from my credit report, as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

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

15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.
Product: Checking or savings account

Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I  received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX account # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy 15 U.S.C. 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions
Product: Mortgage

I HAD TO FILE BANKRUPCY XX/XX/XXXX AND XX/XX/XXXX. I DID GET BEHIND IN MY MORTAGE PAYMENTS. WI TH WELLSFARGO. INSTEAD OF WELLSFARGO HELPING ME MODIFING MY LOAN THRU HAMP, WHICH EXPIRED XX/XX/XXXX. THEY USED THE HARP WHICH REALY I DID NOT NEED TO BE IN. I NEED A JUDGE TO ORDER WELLSFARGO TO GO BACK AND SEND MY LOAN THRU THE HAMP PROGRAM. OR I WANT TO SEEK LEGAL ACTION ON MY LOAN. I HAVE BEEN IN MY HOME SINCE XX/XX/XXXX. 
I AM NOW PAYING A 9.25 % INTEREST RATE. CAN YOU HELP ME SEEK LEAGAL ACTION., I HAVE A LOT TO TELL YOU ABOUT MY LOAN IN PERSON. WELLSFARGO DID NOT TREAT ME RIGHT UNDER THE SONSUMER FINANCE ACT. I AN NOW UNDER CHAPTER XXXX TO KEEP MY HOME. I ALSO HAVE A CREDIT OF {$330.00} FROM A CLASS ACTION SUITE , AND THEY WILL NOT GIVE IT TO ME. I ALSO HAVE ANOTHER CLASS ACTION SUTE, ( NOT GRANTED YET ).
Product: Debt collection

Multiple emails from this XXXX XXXX- some from XXXX XXXX XXXX some from a XXXX XXXX . 

Over the past year or so I have received no written notice regarding this debt and payment options. I do acknowledge I may be liable to pay this and will clear it- but am not comfortable sharing personal information and credit card over an email. They will not provide a call in number or collection person to make payments or where to mail in money order payments.
Product: Mortgage

Today is XX/XX/XXXX, and again, I have not receive my year-end statement, also known as IRS tax form 1098 for the year XXXX, from Select Portfolio Servicing, as required by law. 
However, on XX/XX/XXXX Select Portfolio did take the time to submit fraudulent documents were my signature and initials were forged, copied and pasted to fraudulent documents. 
Select Portfolio Service also has not posted my XX/XX/XXXX payment as required by law. This is a common practice of Select Portfolio Servicing. Select Portfolio Service also stated that CFPB was sent the same fraudulent documents XX/XX/XXXX that was sent to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

My latest review of my credit report revealed a number of accounts that I believe were added without my permission and are inaccurate. I demand that these fraudulent accounts be blocked and removed immediately.
Product: Payday loan, title loan, or personal loan

I believe my privacy has been violated because I did not give written consent to report to the credit bureau.