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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened an account two months. The bank has denied service. It first sent checks to an incorrect address. Virtual every time I've tried to use my debit card, it is blocked. I've been stranded without gas or stuck at groceries numerous times. The bank denied doing this, and has said that the card was really just being declined. I submitted a dispute two weeks ago. The bank has refused to process the dispute. The customer service representative refused to provide answers as to why. After contacting a bank branch, the employee demanded my social security number and then refused service. I've sustained severe damages, due to this banks negligence.
Product: Checking or savings account

I have an Ally Invest account and the issues first arose when I accidentally created a short position and sold to open a call. 

I noticed I only received partial credit for it but thought it would eventually get deposited seeing as it showed in my unsettled funds, however, the very next day the unsettled funds showed as nothing. So there goes about XXXX completely gone with no trace. 

Now today, I never received credit for a sale that I made. I had about {$800.00} in my account and went to sell another position for about {$900.00}. Immediately after my balance showed as {$0.00} and all my money is now gone. 

I can't even go back to trace the previous amounts that I was never credited but I just today, plain as day, that my money has disappeared out of nowhere and nobody knows what's going on. There is no record of my balance just a big fat XXXX. 

This is complete robbery and illegal.
Product: Debt collection

The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Equifax on XX/XX/XXXX regarding a collection on my account. I received a result of the dispute XX/XX/XXXX stating " the information you disputed as been verified as accurate. '' On XX/XX/XXXX, I sent a request for method of verification letter through certified mail, the mail was received on XX/XX/XXXX. It is now XX/XX/XXXX 16 days later and I have yet to hear back from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my 3B credit report. The accounts in question, along with their respective account numbers, are as follows : CREDENCE RM ACCOUNT # XXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) and the ( FDCPA ) specifically 15 USC 1692g due to its incompleteness and inaccuracy.the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts. Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that CREDENCE RM rectify these issues by removing the disputed accounts from my credit report immediately.I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting a bankruptcy on my consumer report that is not accurate they claim they verified the information but how did they verify it and XXXX stated that the information was incorrect and the removed. So I would like to know how did the credit bureaus verify the information?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # 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 my written instructions
Product: Credit reporting or other personal consumer reports

I submitted a complaint last XXXX XXXX XXXX  Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

Dear Sir/Madam, I have requested documentation of this debt that was charge off account, which the acquired owner voluntary took on the debt and now threating to sue me which I was never in contract with. Please see email below to XXXX, XXXX sent on XX/XX/year>. 


I am writing to dispute a debt allegedly owed to your company, originating from CitiBank N.A. ( Best Buy ), and subsequently acquired by XXXX, XXXX. I have no record of this account or the associated debt amount. 

To assist in resolving this matter, I respectfully request the following documentation be provided : 1. **Account Documentation : ** Copies of all documentation related to this account, including those predating XXXX XXXX XXXX XXXX acquisition. This should clearly show my name, the last four digits of the account number, and the debt amount at the time of purchase by XXXX, XXXX. 

2. **Transaction History : ** A complete and detailed transactional history of the account since its acquisition by XXXX XXXX XXXX XXXX 

3. **Chain of Ownership : ** A chronological list of all previous debt owners, including the dates of each transfer of ownership, from the time of the initial charge-off. 

4. **Bill of Sale/Transfer Documentation : ** Copies of all bills of sale or other documentation evidencing each transfer of ownership from the time of charge-off. This should also include documentation pertaining to the original account opening. 


Please send the requested documentation to the following address : XXXXXXXX XXXX XXXX XXXX, FL XXXX Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. I have no recollection of authorizing this inquiry and believe it to be inaccurate and unauthorized.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : Life Assets Account XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 602 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information XXXX than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent your company a request to verify a list of accounts. 
My date of birth is XX/XX/1976 and my social security number is XXXX. 
I received a response from you and it states that you verified no change, new information below, the verified item belongs to you : BK OF AMER - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s- 2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report Please provide me with the name, address, and phone number of the creditor of this information. I am also requesting a description of your investigation, what is the process that you took to obtain this information. I do not want a generalized list of steps you generally take, but instead of a detailed history of how you received this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to XXXX  Credit Bureau and Experian to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. XXXX  and Experian refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden XXXX  and Experian to care less about little MAN like me. 

Notion that an enterprise like ( XXXX and Experian ) can just reports whatever without consequences is insane. 

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

Since XXXX until now I have been sending Experian certified letters ( see several attachments ) requesting that they correct inaccurate and incomplete information that they have continued to list in two XXXX XXXX accounts on my Experian credit report. Despite my letters and information from the original creditor that contradicts them, Experian has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : These accounts are reporting me dead despite me providing Experian with Proof of Life ( see attachment ) and multiple telephone conversations where they verified I was alive, 2. These accounts are still reporting Account Balances of {$1100.00} and {$4400.00} even after they have been discharged by XXXX XXXX  with 1099Cs ( see attachment ), neither of these balances should not be on the report, 3. These accounts are missing all the Payment History from XX/XX/XXXX to XX/XX/XXXX as well as showing no positive Payment History before the closure of these accounts ( see attachment ), 4. These accounts are not reporting the Date of Last Activity, the Date of Last Payment, the Date of 1st Delinquency and the Date Closed ( see attachment ), and 5. Without those dates, the Drop Off Date is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX account # XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : High Credit : XXXX : {$25000.00} XXXX : {$25000.00} Equifax : {$0.00} Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Account Status : XXXX : Paid Profit Loss Equifax : Paid Charge Off XXXX : No status listed Payment Status : XXXX : As Agreed Equifax : Collection or Charge Off XXXX : Collection or Charge Off Late Payment Status : XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 2 Times Equifax : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 21 Times XXXX : No late payments listed These discrepancies indicate that the information being reported is inconsistent and inaccurate, violating my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information reported on consumer credit reports ( 15 U.S.C. 1681e ( b ) ). The inconsistencies in the high credit amount, last active dates, account statuses, payment statuses, and late payment history clearly violate this provision. Additionally, under 15 U.S.C. 1681c ( a ) ( 5 ), accounts that have been charged off or placed for collection must be reported accurately, which is not the case here.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account status as a collection or charge off, especially when XXXX lists the payment status as As Agreed, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistent reporting across the bureaus also raises concerns under 15 U.S.C. 1692f, which prohibits unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Credit reporting or other personal consumer reports

I have contact the company to see why am I being reported as not paying. I have not receive a bill. The company said they can not find me in the system. Company is XXXX credit reports shows I owe XXXX. 
Account info Account name BOMBARDIER/XXXX  Account number XXXX Account type Secured LOC Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$4600.00} Highest balance {$4600.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX says they bought my medical bill from XXXX XXXX XXXX in XX/XX/XXXX and I have had state issued insurance that pays for everything. I never had any type of balance, I have not been uninsured ... I have literally been covered since XX/XX/XXXX. They keep reporting on my credit and this information is false! They constantly call, they talk to me like I'm XXXX, disrespectful, they don't even know what the bill was for, who the patient was, etc