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

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior XXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION XXXX XXXX a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. ARIVO ACCEPTANCE LLC XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2025 To : LexisNexis Risk Solutions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion, XXXX. XXXX, TransUnion, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

In XXXX of this year ( XXXX ) I was solicited via email to open up an XXXX XXXX XXXX XXXX card. I had one years ago and cancelled it several years ago. I called American Express and asked if I would still be eligible to receive the points ( XXXX ) and was assured that I would. I opened up the account, spent well over the needed amount to qualify and waited for my bills, and points to be awarded. After the second statement, I called and asked about my bonus points ( XX/XX/XXXX, I believe ). I talked to XXXX tiers of people ( representative, supervisor, manager ) and was told that I did n't qualify because I previously had this card ( opened it up back in XX/XX/XXXX ). But they would consider it and to call back in two or three weeks. I think they knew at that time that I would n't qualify and they were just putting me off. I called today ( XXXX XXXX, 2017 ), was on the phone well over 30 minutes, talked to three levels of representatives again and was told sorry, no deal. I think this is a classic bait-and-switch, XXXX XXXX-gate, or out and out fraud, whatever you want to call it. We can refer to it as American Express-gate. Thank you, XXXX
Product: Credit card

We are a XXXX  family and last XXXX we executed a XXXX XXXX XXXX XXXX XXXX XXXX ). I had my mail forwarded through the US Postal Service, but I did not receive a credit card statement from XXXX XXXX As soon as I was made aware of the issue, I made a payment for the credit card charges and updated my mailing address with the company. There was an issue with updating the card online with XXXX vs. with the credit card issuer, but I later updated my mailing address with Citi once collection calls began. 
I've had several phone calls with XXXX  and due to issues with their customer service being located outside the US, explaining how mail forwarding works was not successful. A few months ago I was able to speak with a US-based customer service agent and thought the issue would at last be resolved. Unfortunately, the agent could not reverse older late and interest charges, so they told me I would need to mail in proof of my XXXX change of address to have those fees and charges removed. I did so in a XXXX letter. Last week I received another form letter from XXXX informing me that my credit report had been reviewed and was correct. 
At this point it has nearly been nine months of trying to resolve the issues with XXXX XXXX I've sent three letters ( the first in XXXX ) and spoken with their customer service, following their instructions. Meanwhile late fees and interest charges are charged on the original late fees and interest charges and negative reports are communicated to the credit bureaus. I do not believe any actual charges are outstanding, but despite requesting an itemization of the account charges, I have not received any account review.
Product: Debt collection

I contacted Eastern Account Systems multiple times through phone calls and letters for a contract that this debt is my debt. I have not signed a contract with Eastern Account Systems. Easter Account Systems sent a bill summary from my doctor 's office. This is not a contract with my signature that I have a debt with Eastern Account, on the bill it has been written off which means Easter Accounts has paid a small amount for this debt to try to collect from me, which is we do not have a contract that states it is my debt. Additionally. I live in NC, Eastern account is not license to collect from me in NC. I have attached the bill with the NC address and I also have attached the states Eastern Accounts is license to work in. NC is not one which means they have not authority to even attempt to collect the debt, which once again I do not have a contract for or signed stating this is my debt. 

Additionally, XXXX deleted this collection account off my credit report and according to the law all credit agencies must report that same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with this company regarding this issue first being XX/XX/XXXX and again XX/XX/XXXX ( see included attachment for proof of dates ), I informed THE COLLECTION BUREAU OF FWB of my FTC report filed both on my own as well as through the CFPB. I also physically have written a dispute about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written a dispute to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because after years of dealing with this situation I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or will have no choice but to seek other means of mitigation through litigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a auto vehicle from company called wheels of Chicago a located in XXXX i was forced to by a vehicle because I was told it was the only vehicle I cant get which it wasnt it was other vehicles keeper or around the same price i committed to a XXXX XXXX XXXX which was to be deducted every time I get paid from my job however company messed up dates and then started that they cant do anything about it my card was charged after company was closed on XXXX I purchased vehicle XXXX so it has not even been XXXX weeks. XXXX days after having the vehicle there were issues and company turned my vehicle off leaving me and my XXXX old stranded. I then told company I want my down payment back and vehicle return I was told by company it would be considered as a XXXX company has provided back service and is committed wrongful acts towards customers and forcing clients to keep vehicles they dont want when you try calling for help you are transferred in circles company has bad service they dont give you legal proof of things they say they are committing fraud when they say they are going to fix things they never do. I have been stressed out I have a child and company is committing wrongful acts
Product: Debt collection

XX/XX/2024 Dear Sir or Madam : I am a victim of identity theft. My personal information was used to open an account at your company. I did not open or authorize the accounts, and I therefore request that it be closed immediately.

This is to address the issue surround the identity theft. There was period, when a real estate company acquired my information and somehow allowed my identity to be compromised by people in their company. Also, during this time I banked with XXXX XXXX. Needless to say, someone in their banking systems worked with this same real estate company. They were able to duplicate debit cards with the exact numbers of the one that I used daily. When discovered that my identity was stolen, not only was my money depleted but I discovered that my money had been transferred to another bank and several accounts were set up in my name. 
In order to try and resolve situation, I brought everything to XXXX XXXX attention. Once they realize the situation at hand they stop talking to me. At this point I had to get a lawyer and proceed with retrieving my money. It never was completely resolved and XXXX XXXX never did and provisional credit. Even after proceeds went forth, still never completely gave me back all my money that was stolen. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me via email at XXXX. 

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

I sent fraud dispute to TransUnion on XX/XX/year> with picture ID, Social security card, FTC fraud report and proof of address with written dispute with my signature on the dispute requesting Immediate block on fraudulent account. TransUnion responded with refusal letter dated XX/XX/year> that TransUnion was not going to investigate my dispute. TransUnion claims that the dispute was not sent by me. I'm requesting TransUnion investigate my dispute for fraud. Requesting TransUnion to send evidence this dispute was not sent by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Product: Debt collection

To Whom It May Concern, Due to me being away for my safety from XXXX XXXX, I was not able to check my credit or use my credit. I was at a XXXX XXXXXXXX XXXX XXXX from XXXX. 
I have been working on getting my life back and I have discovered I am a victim of identity theft. I contacted Design Receivable Solutions already to report this but they have not removed themselves or returned my points deducted from XXXX XXXX and XXXX credit bureau. I do not see them on my XXXX credit bureau but it does not hurt for them to check with them to ensure it is not under a closed account or another name affecting my score or credit information. 

Attached are the screenshots and police report I filed. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of no.n-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the XXXX XXXX. In light of above information, the credit reporting agency is unlawfully reporting information violating my federal rights. The dates are XX/XX/2022, XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, back in XXXX my checking account was hacked. So I had to set up a new checking account. I provided Freedom Mortgage with all my new information. Now, in XXXX it was reported that Im delinquent on my account. Freedom mortgage has been contacted by my at least 9 times since XXXX because they are unable to take my payment from my new account. The problem is on their end because all of my other bills have been coming out with no problems. Every month since XXXX Ive had to call them and give them my new account information because they fail to update their system so I had to pay the bill over the phone because they cant setup my reoccurring payment. Let be also known that I HAVE made every payment. Now my credit is down XXXX points. I have a stellar credit record with NO DELINQUENCIES until now because theyre absolutely horrible. Once again I have to take time from my day to fix a problem I didnt create.
Product: Checking or savings account

Bank of NY Mellon, FDIC XXXX, issued a cd ( XXXX XXXX XXXX XXXX  ) which I purchased through XXXX. The coupon payment date for the cd was XX/XX/23. They have yet to make any payment.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, 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 fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$300000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, 4 ) not able to get funding and many loses plus emotional distress of me and my children. I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.