23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Reporting Violations by Consumer Reporting Agencies for First Progress Account Dear CFPB and FTC, I am writing to formally address concerns regarding the inaccurate handling of my First Progress credit card account by the XXXX XXXX  Consumer Reporting Agencies : XXXX, Experian, and XXXX. Despite the account being in good standing, it has been deleted entirely from my credit reports without justification. This action constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates the accurate and complete reporting of consumer credit information. 
Details of the account in question are as follows : Account Name : XXXX XXXX Account Type : Revolving Account Account Status : Closed XX/XX/XXXX Account Number : [ Your XXXX ] Monthly Payment : {$0.00} Credit Limit : {$200.00} High Credit : {$230.00} Last Reported XXXX Date Opened : [ XX/XX/XXXX ] Payment Status : Paid or paying as agreed Balance : {$0.00} XXXX rely on the accuracy of my credit reports to reflect my financial behavior, and the deletion of this account has caused significant concerns. By removing the account entirely, the reporting agencies have failed to : Maintain accurate and complete information about my credit history. 
Ensure regular updates that reflect my good payment history and positive standing. 
I am requesting an immediate investigation into the removal of this account from my credit reports and urge the CFPB and FTC to enforce compliance with federal law. Please instruct the Consumer Reporting Agencies to reinstate this account and ensure it is reported accurately moving forward. 
I have enclosed copies of my credit reports and supporting documentation for your review. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely
Product: Vehicle loan or lease

My loan was extended out one month which showed online on my account for XXXX and I had to pay XXXX. I got a new car so they paid the entire balance before XXXX was over to take care of my extended month payment and my XXXX payment and all the rest of payments. 
It was paid before the XXXX of XXXX so It shouldnt have even hit my credit at all. After they marked I was behind two months they then put paid in full on good standings so my score dropped for two late payments. I have proof the check was sent to them from the dealership on XX/XX/XXXX but the car was bought on the XXXX! They refuse to even look at the payment of the check and marked me two months late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I paid off my balance for my new Banana Republic credit card. They did not inform me that there was as additional fee and left me with a negative balance after I specified to pay off my entire balance. A few months passed and I received a letter that I have been reported to the credit bureau for a negative balance on my account, I contacted Banana Republic and resolved the matter where they wound up apologizing, received a credit on my balance ( this was a first ), and then received check for the miscalculation of my balance. My credit score dropped in the meantime while they had to fix this error on their end, they also advised that they were not able to send a letter or do anything to remove the report to the credit bureau. Banana Republic also closed my credit card without notice.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX  Balance {$7100.00} XXXX XXXX XXXX XXXX  Balance {$61.00} XXXX XXXX XXXX  Balance {$300.00} XXXX XXXX, XXXX XXXX Balance {$46.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX XXXX Balance {$19.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX XXXXXXXX XXXX XXXX  Balance {$520.00} XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX BANK XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX RFC XXXX # XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I am a victim of check forgery. The bank caught XXXX of XXXX checks, I found the third. I have followed all their instructions and submitted all documentation for their investigation. The bank will not give any time frame for their investigation to be resolved. No time frame.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

First box I am 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: Vehicle loan or lease

You have been helping us rid Gm Financial in our life -hopefully the end of dealing with them is near. We need your help in finalizing this account - to have them close our account, have it in writing that this is PAID IN FULL, properly update our online account as a XXXX balance, have title exchanged properly. We don't believe a word they say. They lied 4 times this year stating they never received our checks in time ( We've been loyal, honest customers who paid in advance for 5 years with GM Financial ) which puts our payment history as 'marked late ' which is NOT TRUE. They only cash checks once a month. They lied on our payoff amount on XX/XX/XXXX to XXXX XXXX XXXX- who is now our lien holder. Because they claimed we still have a balance of {$470.00} as of XX/XX/XXXX. We paid it on XX/XX/XXXX electronically to be RID of these liars. They are messing with our financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XX/XX/XXXXare in violation of my rights and is subjected to a law suit under these laws/
Product: Credit reporting or other personal consumer reports

I discovered that on various dates that multiple creditors ran my credit without obtaining my consent. I have been living abroad and have not used or tried to obtain personal credit for many years. inquiries were made at least 14 times dated from XX/XX/XXXX through XX/XX/XXXX showing up on my credit reports such as : XXXX. XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX  {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 


ACCOUNTS : XXXX NUMBER Account:XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XXXX credit report due to the credit breach. I notified the current account owner CAPITAL ONE BANK N.A. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to XXXX XXXX XXXX, XXXX who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX  has recently removed the collection but XXXX XXXX is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is refusing to remove unauthorized inquiries on my report! I called several times to get this corrected and have had no success. In my most recent call on XXXX ; i spoke with a supervisor name XXXX who was very RUDE and informed that nothing can be done and there is no dispute process for inquiries and that inquiries are facts. Per FCRA, the only permissible purpose to pull ones credit is for a firm offer of credit, insurance, employment, or court order. Neither of these reasonings apply for the inquiries that i am referring to! They are reporting inaccurate information and is refusing to remove it from my report!
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is a result of identity theft. The identified transactions are not information related to any transactions by me as the consumer. 
SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed reports. I do not have obligation to accounts. Equifax is only bureau still reporting and not complying with request and investigation
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Debt collection

On XX/XX/2019 ; US Collections West , Inc. acting on behalf of XXXX XXXX /XXXX XXXX   placed two credit bureau marks on my XXXX Credit Report. I placed a call to the collection agency and advised them that the debt they are attempting to collect was not valid because litigation has not been completed due to a pending appeal in the XXXX County Superior Court. 

I demanded that they remove the two marks and they refused to do so. I asked for validation of the debt including a signed judgement, from the appeals judge who is currently hearing this appeal, authorizing collection activity. As of the date of this complaint, I have not received any information showing they have a legal right granted to them by the appeals court allowing collection activity. 

On XX/XX/2019 ; I received a call from an agent named XXXX or XXXX XXXX from US Collections West , Inc. and I reiterated that she and her company had no legal right to collect since there is no valid debt. Ms. XXXX the proceeded to tell me that she would get her lawyer to force me to pay, and I was subjected to rude and hostile conduct while I was at my place of employment. 

I have disputed these two credit bureau marks but XXXX keeps reporting the invalid info as valid and confirmed.
Product: Debt collection

On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Product: Debt collection

I am writing to formally dispute an entry on my credit report related to a collection account from XXXX XXXX at the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with the phone number XXXX. According to my understanding of XXXX XXXX XXXX I believe this entry has been inaccurately placed on my credit report. 
Details of the disputed entry are as follows : XXXX XXXX XXXX has stolen my identity and now they have sold this debt to XXXX XXXX report XXXX - Collection Agency Name : XXXX XXXX- Account Number : [ Insert Account Number - Date of Entry : XX/XX/year> XXXX Amount : XXXX XXXX XXXX REPORT XXXX I have not been provided with sufficient documentation to validate this debt, nor have I received proper notification as required by law. Therefore, I request that you investigate this matter and remove the collection entry from my credit report. 
Please find attached any relevant documents that support my dispute. I would appreciate your prompt attention to this matter and request a written response within XXXX  days as per the Fair Credit Reporting Act. 15 U.S CODE 1681 a Thank you for your cooperation. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually and that belong to me. They send nothing causing financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found multiple errors. I reached out to the CRA to remedy the issues and they have not responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I called Midland funding LLC at ( XXXX ) XXXX asking to remove my dispute on the behalf of XXXX law. Wanting them to report to my Credit bureau that I no longer am disputing this matter. I was told they were going to remove the dispute and report it. I am unable to obtain credit because they failed to report this matter.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX Aidvantage and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX  XXXX XXXX Aidvantage and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.