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

In accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, 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 a account without written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report, saying is Verify without proved.

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA.

Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  account # XXXX, XXXX XXXX XXXX  account # 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
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute the reporting of fraudulent accounts and inquires on my credit report. i have been a victim of identity theft, and the accounts in question were opened without my knowledge or consent the details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$1300.00} fraudulent inquires : XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX. Transunion ; XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. i have been exposed to multiple data breaches which i believe have led to unauthorized activities and fraudulent accounts being opened in my name. i have taken steps to address XXXX issue including contacting the companies however i continually experience diculties in resolving the issue 's i kindly request your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 - Inquiry by Syncb/Banana National credit card /Airlines wasn't done by me.
Product: Payday loan, title loan, or personal loan

Please see attached document as it contains my complaint. 
I XXXX XXXX XXXX submitting this complaint myself and no third party involved.
Product: Debt collection

When I first got services in my name in XXXX, I was notified of an old bill from XXXX at a previous address that I am unfamiliar with. When I informed the gas company that someone fraudulently started service in my name while I was a XXXX I was told to get a police report and submit a claim for identity theft. When I submitted the requested information ( Notarized theft affidavit, police report, high school transcript for proof of where I lived at the time the fraudulent account was opened ), I heard nothing else from People 's gas and this debt was sold to a collection company. This listing still remains on my credit report even though I sent all required documents proving that it was not mine. I was not even of legal age to open a utility account in my name at the time that this account was open. I have sent multiple debt validation requests to the creditor and the collection agency, and I have not received any response. This is causing major hardships, since the reporting agency fails to investigate this matter.
Product: Credit reporting or other personal consumer reports

The following screen shots show this fraudulent, neglecting scamming company procedures to stall and keep people 's scores low, look at all the disputes they lie and say you can view on line and NONE are available but you must call this none English speaking person who wants my whole social security number but can't do anything to help but once you say your recording they HANG UP, SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM
Product: Checking or savings account

The company XXXX withdrew funds from my granddaughter 's checking account using her debit card info. The withdrawals occurred all on the same day ( XX/XX/2022 ) totaling over {$500.00}. She immediately canceled her card and notified Capital One. XXXX submitted a chargeback dispute letter. I have since noticed this same scheme occurred against others who reported this fraud to XXXX. The company on the chargeback letter is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This has also been reported to the US FTC. 
She has also filed a police report. 
She is also reporting this fraud to the California State Attorney General. 
The chargeback letter includes my granddaughter 's name and debit card number.
Product: Credit reporting or other personal consumer reports

Experian failed to investigate my disputes properly. I would start a dispute and then in less than XXXX hours, it would come back as valid, without providing me with the info I requested. 
Experian failed to delete inaccurate information from my credit file. 
Experian failed to prevent the improper reinsertion of previously deleted information. 
Experian failed to convey consumers ' disputes to furnishers fully and accurately. One of my accounts shows as delinquent when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Equifax to safely monitor my credit, try to get out of my debts, I trusted them and they ended up leaking all my financial information. I want all the money back I paid as well as compensation for stress and potential risk I am now facing due to their leaks.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXXXXXX XXXX for reporting inaccurate information on my credit reports with Experian, Equifax, and TransUnion. The account in question is associated with XXXXXXXX XXXX account number : XXXX ( Experian and Equifax ) and XXXX ( TransUnion ).

XXXX XXXX has reported that this account was charged off in XX/XX/year> on my Experian and Equifax credit reports, and in XX/XX/year> on my TransUnion credit report. These discrepancies are inaccurate and misleading. 

This situation violates the Fair Credit Reporting Act ( FCRA ) under the following provisions : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy in credit reports.

15 U.S.C. 1681s-2 : Failure to conduct proper investigations of disputes and correct or delete inaccurate information. 

Despite my efforts to resolve this directly with the credit bureaus, the inaccuracies persist. This has caused me significant financial hardship, affecting my ability to secure credit and manage my financial responsibilities. 

I kindly request that the CFPB investigate this matter, ensure XXXX Bank corrects or deletes the inaccurate information, and hold them accountable for failing to comply with FCRA requirements. 

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

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

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit card

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$12.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00}
Product: Mortgage

I Was In A Chapter XXXX Bankruptcy When Nationstar Purchased My Mortgage. Nationstar Failed To File The Proper Doc. With The Court So The Court Held Their Monies For 10 Month Until The Docs. Were Filed. At Such Time The Monies Were Released And Nationstar Was Paid Current. Upon Exiting Bankruptcy Nationstar Informed Me I Was 10 Months Behind. I Obtained Court Docs. And Bank Statements Proving All Payments Were Made. They Still Said I Was Behind And Proceded With Forclosure Till I Signed A Loan Mod. Which Was 40 yr. I Only Owed 15 yrs To Start With.
Product: Debt collection

I am submitting this complaint against Fair Collections And Out, at XXXX XXXX XXXX SUITE XXXX XXXX, XXXX  XXXX for violation of the FDCPA and the Virginia Statute of Limitations to collect a debt. XXXX Collections And Out claims to have acquired the servicing rights for a debt that was transferred from XXXX THE INFINITY on XX/XX/2018. Prior to XXXX THE XXXX transferring that debt to Fair Collections And Out, XXXX XXXX XXXX had declared the loan to be in default. The alleged loan is past the statute of limitations to collect a debt in XXXX  and Fair Collections And Out continues to send me harassing letters on a debt that has a due date of XXXX  SPS claims to be the servicer of a loan in my name when : It has not participated in any servicing activity, can not produce any contract of the servicing terms between XXXX THE INFINITY and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I am requesting assistance with three credit reporting agencies as well as Capital One Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

Capital One also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My discover card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from capital One, in which I was denied SCRA benefits on my Capital One account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report some hard inquiries that are not mind the frog I called the credit bureaus and they told me that I needed to get a report done and so Im doing that right now XXXX is the first one XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone and inquiry happen XX/XX/XXXX Connection cord is XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number available inquiry was XX/XX/XXXX The next one is a XXXX Inquiry is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX XXXX not sure if I previously reported these so Im gon na letting you know ahead of time XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX this inquiry was on XX/XX/XXXX Next one is XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX telephone XXXX XXXX next one is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX one phone number XXXX XXXX XX/XX/XXXX The next one is the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number XXXX inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong 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 or other personal consumer reports

My identity was stolen from me and destroyed my good reputation with company 's that I never seen on my credit report never seen in my life just want my name name back and everything that has to do with my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. XXXX has ignored my requests to furbish proof of debt or to remove this from my credit reports.
Product: Money transfer, virtual currency, or money service

filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion replied today, XX/XX/20, listing an adverse account : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This account was paid in full. The adverse report says I paid less than what XXXX agreed to. That is false. I disputed the amount they wanted for wear and tear items on the car when it was returned after the lease. I feel these are frequently exaggerated to increase revenue or to negotiate their elimination if you lease another car with XXXX. I disputed the amount, and they agreed to lower the charge, and I paid it timely. I spoke with and will attach an email from XXXX  saying that there were no adverse events/outstanding fees on my file. This is not an " adverse '' account and needs to be deleted or put in the satisfactory category. If one disputes a bill, negotiates a settlement, and pays it off, this is not to be an adverse account. If so, anyone who negotiates a better deal should have a lower credit rating and that is ridiculous. 
My demand is to have this account deleted or put in the satisfactory category without any adverse findings.
Product: Debt collection

The Debt Collection company ( Diversified Consultants ) was referred a bad debt from XXXX for a " XXXX XXXX ''. It is NOT me, but when called by XXXX they asked my phone number and address to ( I thought ) show it wasn't me. Instead they entered my information on the account and are now using that to determine it is my debt. The XXXX account was in XXXX, Texas. I have never had XXXX nor have I ever lived in XXXX Texas. 

They refuse to correct the information they put on their account and when disputed by XXXX they state it is accurate. Of course it is since they put it there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX, XXXX, and Transunion regarding unknown and inaccurate things on my credit report. To this day, I have only received template stall letters from XXXX, Transunion, and XXXX. I feel like I'm being taken advantage of and being ignored. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these unverifiable items from my credit report. It has been 5 months, since I notified the credit bureaus of fraudulent accounts appearing on my credit reports.These items should have been removed a long time ago. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. 

My personal information was also impacted by the XXXX data breach, XXXX XXXX XXXX, and other companies who had their systems breached. My personal information has gotten into the hands of the wrong person. The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports as being accurate. However, Transunion, XXXX, and XXXX, nor the ccompanies appearing on my credit report, have yet to send me a contract containing my signature.I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency ( XXXX XXXX XXXX ). If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : My ONLY Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX