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

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days any request for more time is a violation under the fair credit reporting act As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete.

Thank you, 30 days Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name XXXX  XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX XXXX   XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX  XXXX. Reason : You failed to verify and validate all data for this account,
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 

Sec. 602 " I have a right to privacy ''. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

While checking credit report I noticed collection activity from National Credit Adjusters. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reported to Experian in the amount of and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( XXXX ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection from my Credit Report.
Product: Debt collection

To Whom It may concern I do not believe that I owe this debt or what you say I owe. 
FABCO # XXXX Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Accountability Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving ongoing issues with my credit reports and the mismanagement of my credit score by credit reporting agencies and creditors.

Despite maintaining a spotless payment history across all my accounts, paying balances well before their due dates, and consistently staying within my credit limits, my credit score has inexplicably dropped. I have made repeated efforts to resolve this issue with the following companies : Credit Reporting Agencies : TransUnion, XXXX, XXXX, XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Unfortunately, my complaints have been met with deflection and denial of responsibility, leaving me without clear answers or a resolution. This mismanagement is directly affecting my financial reputation and opportunities. 

To address this, I am requesting : A comprehensive review of my credit reports across all bureaus. 
The correction of any errors or inaccurate entries. 
Accountability for ensuring accurate and transparent credit scoring practices. 
I am providing detailed records of my communications with the above companies and my credit reports for your review. 

I trust that the CFPB will act as an advocate to enforce accountability and protect consumers like me from systemic negligence and harm. 

Thank you for your time and attention. I look forward to your support in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On my credit report, there are XXXX accounts listed showing I am an authorized user which should no longer / not be on there. XXXX, XXXX and XXXX each have account with my name listed as an authorized user. They each have a balance of {$0.00} and I have no idea who to contact regarding ownership of the accounts to have my name reviewed. According to the credit reporting agencies, I am to file this complaint to have them corrected. Therefor, this is the sole purpose of filing this information with you.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State Identification ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX KY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX KY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

Company XXXX XXXX XXXX law firm had me sign a stipulated agreement and through the process of paying my debt they would only accept check, money order or checking account number, no debit transactions. I tried with checking account number which in the beginning was ok but then I fell back on payments and they said it was in their policy to have to receive two checks before they can reinstate accepting payment through a checking account number electronically. I then asked why I couldn't just have them run it as debit, they said that's how their business is set up. I was told by their debt collectors at XXXX XXXX  XXXX that I may call the original lender to pay my balance through the lender since XXXX XXXX XXXX is the third party. I called the lender and they said the account is closed and XXXX XXXX XXXX is handling the account now, but why if XXXX XXXX  XXXX is defending td bank USA ( lender ), wouldn't the account still be open and it is my debt, and why need a third party? I've tried paying with money order after the problems I stated above and after four or six money orders sent, the last money order got lost in the mail. I had to cancel the money order and the money order charged a fee to process the lost money order and returned partial of what I sent to XXXX XXXX XXXX, this also made the payment late. XXXX XXXX XXXX also lied about me having more time to pay before the agreement ended which I never got in writing, and then they said I didn't have enough time the next call around. I can't trust XXXX XXXX  XXXX and I want to have the lender open the account again so I can easily pay my debt electronically with debit and not a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted CB Indigo several times regarding the late payment that's being reported on my credit report. The reporting of this account is a violation of the following : 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 USC 6802 ( b ). 


( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 60-89 ) days late on the XXXX accounts. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it would be impossible to be late on accounts that have no balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to refinance a house. All the credit reporting companies are showing my credit as XXXX XXXX, XXXX XXXX, XXXX XXXX, The lender quoted my a rated based on those numbers. The lender pulls my credit and its XXXX??? They said they get different score than what is reported to the consumer. So the consumer is shown one credit score and the lender gets another score that is lower so the consumer has to pay a higher interest rate and fees because the reporting agencies have two sets of scores?? This practice sounds very misleading and a bit fraudulent. 

Lender pulled credit on XX/XX/22 I rechecked mine on XX/XX/22 and the above scores were given to me from the XXXX website
Product: Debt collection

In early XXXX, I received a notification from my credit monitoring company, that I had an account in collections. It was an account with ProCollect again. The account is XXXX for and online application for an apartment at XXXX XXXX  XXXX XXXX XXXX. Not two months ago the exact same situation happened with this collection company ( a different apartment complex ). No one contacted me by phone or mail to tell me about the collections account even though they have all of my contact information before sending this account to my credit report so I could provide documentation for identity theft. I called the company after receiving the notification and talked to Ms. XXXX. She falsely told me I had only three days to dispute the account. Additionally, I requested all documentation related to the account on the phone and twice by email on XX/XX/19 and XX/XX/19. In the emails, I provided my state ID, my identity theft report, and debt collection letter. They have not sent me any documentation to this account so that I can file a police report and dispute this charge as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I allowed a friend XXXX XXXX to live with me in the summer of XXXX and again in the spring of XXXX. Now I am trying to qualify for a home loan and I have found at least four credit cards and other items that he used information to fraudulently open. XXXX is a 2 time felon for fraud and money laundering, I found this out later. He fraudulently obtained a Covid PPP loan and he has no business. My last known contact for him is XXXX. He was working for the XXXX XXXX in XXXX that had the issues with the XXXX newspaper. He is on probation. He was accused of XXXX and was questioned by XXXX police so I made him leave. The last I heard he was living in XXXX. I would gladly press charges if needed.
Product: Credit reporting or other personal consumer reports

Equifax decided to verify an account that I had disputed about a month ago or two but XXXX deleted the account as they found it to be unverifiable. See attached. Pursuant to section 611 I am demanding that they delete this account from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have a lot of information incorrect on my record that should be removed. 
such incorrect last name and address.
Product: Checking or savings account

Credit karma froze my account the day I received my tax refund advance loan. Upon requesting information of any kind, I am given the run around, and I'm unable to get a single piece of information or reason for why credit karma would do this. Or any reason why turbo tax would refer me to a company who would practice this unethical behavior. 

This took place on XX/XX/XXXX, but i tried to wait until XX/XX/XXXX to call back for information, in which I was still declined anything. Even after doing their live verification process a second time. Also, after researching, this has been an issue for the last 2 years and has affected hundreds and hundreds of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

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

remove this account this is not mine.
Product: Mortgage

My home lone is With Umpqua bank Loan # XXXX, and they ordered Home insurance even though I verified my coverage of insurace with XXXX with Umpqua at least two times ( faxing them my insurance cover sheets. ) Yet they still ordered insurance on XXXX/XXXX/2016 in the amount of {$3300.00} and raised my payment amoung to pay the insurace, so I was paying XXXX insurance companies then I even called and spoke with an supervior with Umpqua on XXXX/XXXX/2016 and we did a XXXXway call, with My XXXX insurance representative, to verify insurance. and the representative from Umpqua said oh good fax/scann the insuracanve verification to us. which XXXX did while on line with my bank ... Yet still they added banks insurance to my loan account. 
This has cost me a financial burden. So Im refinancing my loan, and they are stating I own them the {$3300.00} more on thier payoff for the XXXX insurance. Which means I have to bring the added amount to escrow to close my re-fi loan. I have made numerous calls to have them make a correction, but yet they have not done so. 
This is not right and has hurt me, causing my loan payment to be XXXX/month more. 

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

XXXX XXXX is collecting for a company called " XXXX XXXX  ''. This account has previously been reported as fraudulent in XXXX. 

XXXX XXXX is in violation of The Fair Debt Collection Practice Act for continuing to collect on an account that has been previously been reported as fraudulent via an Identity theft affidavit. 

An updated report has been attached to this report.