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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2900.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am rewriting to XACTUS LLC follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. 
Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. XACTUS LLCs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. I respectfully request that XACTUS LLC take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. Please treat this matter with the urgency it deserves. If XACTUS LLC fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. Thank you for your attention to this serious issue. I trust that XACTUS LLC will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested that all 3 bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX FIN SVC XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CERTIFIED BUREAU OF THE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Nordstrom/TD Bank Opened account for XXXX for 11mos Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated Nordstrom is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto loan with US Bank was on autopay. The banks system suddenly didnt recognize an account and instead of notifying me in a timely fashion, they called me on day 29. I paid that day but it wasnt processed for 3 days and the account was reported as over 30. This contradicts what they told me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX 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

My identity is being is being used without lawful authority as I never gave permission for my identity to be used without my consent. This information is being reported without my permission
Product: Credit card or prepaid card

On my XX/XX/2018 statement there were 4 fraud transactions for a total of {$1500.00}. On receipt of the statement, I immediately called in and was told that I had to call the vendors for the transactions. XXXX XXXX and XXXX  XXXX. XXXX stated this was a known fraud already under investigation. XXXX XXXX said I needed to call Citi bank. I called Citibank and was told this would be resolved and noted the fraud. 

A replacement card was issued and sent via XXXX. Yesterday XX/XX/2018, I received a notice for past due impacting my credit. I then did the called and was told it was handled. No resolution. 

Today, XX/XX/2018, I then did the online dispute for the second time on the remaining transactions. Finally, got an automated response delaying payment for FRAUD transactions. 

Taking more than 45 days to clear fraud which were reported immediately and compounding with interest is unacceptable. This card was in a drawer and I have never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ PNC BANK # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reports continue to display inaccurate addresses and telephone numbers combined with inaccurate non-verified collection accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXXXXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Reques XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately.

4. Provide me with a written response detailing the results of the investigation and actions taken. 
SincerelyXXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account # XXXX Date : XX/XX/XXXX To Whom it May concern ( JPMCB ) It appears that these two items, below, on my credit report have been reported as a " Charge Offs '' years ago. However, I noticed you have never sent me a 1099c as a " PROFIT LOSS '' for you and for me to file with the IRS as " INCOME ''. You are reporting on my credit report that I owe a balance even you took a tax break and then you have reopened these two accounts years later which has further worsened my credit and life. 
One of the accounts is nearly ten years old. 

JPMCB CARD SERVICES XXXX {$2800.00} Date opened XX/XX/XXXX ( This is past seven years ) Pay Status - Charge-off You posted C/O Rating starting XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX and ***Charged off**** in XXXX of XXXX, thru XX/XX/XXXX, then posted X - Unknown starting in XX/XX/XXXX thru XX/XX/XXXX and started charge-off again in XXXX of XXXX. 

JPMCB CARD SERVICES XXXX {$4600.00} Date opened XX/XX/XXXX Pay Status - Charge-off You posted C/O Ratings starting 120 days XX/XX/XXXX thru XX/XX/XXXX. Then you posted a XXXX starting XX/XX/XXXX thru XX/XX/XXXX. Then reopened it by posting an " X Unknown '' in XX/XX/XXXX thru XX/XX/XXXX. Then you posted " Charge-off '' rating again in XXXX of XXXX till now. 

This is illegal with the federal government. Since you reported to the IRS as a charge-off you have the legal responsibility to delete from my account since you you financially benefited. You are using fraudulent business practices under the federal government and I will follow through to the full extent of the law if these are not removed.
Product: Credit card

On XX/XX/2023, someone hacked into my credit card and charged {$470.00} for XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. A foreign transaction fee for {$14.00} was also charged. I have never been out of the United States, I did not authorize this charge. I have called Bank of America multiple times reporting this as fraud. They claim that their is proof of identity that it was me who authorized this charge. I in fact DID NOT. I have other foreign charges on other credit cards that have always been resolved, but I can not get Bank of America to understand it was not me. Now my credit score has decreased bc I refuse to pay for these charges that I reported as fraudulent. I am now considering to start paying for these charges so that my credit score increases over time. 

I have closed my account with Bank of America, therefore I am not able to log in online to make any payments. My balance keeps increasing because of late charges. This is so unfair because these charges were made by someone in XXXX. I have never been out of the USA.
Product: Debt collection

I have been in prison for to years i just got out XXXX XXXX XXXX i just recieved a letter from Dynamac Recovery Solutions saying that i have a current balance of {$990.00} they say i may resolve my account for {$690.00} if the payment is received by XXXX XXXX XXXX i have been locked up for 2 years and have no idea what this collection is for or why they are sending this to me late if you can please help me dispute this and just get it off my credit please i jist dont want to be bothered by this especially not knowing what it is for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not me. Please remove from file. 
Also I have never lived at XXXX XXXX XXXX, XXXX, Wi. XXXX. I have always lived in XXXX WI. Until The middle of XXXX/XXXX 2019 when I moved to XXXX XXXX XXXX XXXX, Wi. XXXX. Please help me fix this information. Thank you sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX  XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately they informed me that recovery lost funds was impossible and that tracking these transactions was infeasible The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system to be scam
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. I demand the following collections entries to be deleted : XXXX XXXX XXXX  : ACCOUNT NUMBER # XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within XXXX business days of receipt of this letter. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

I've been contacting Midland Credit Management and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from XXXX. For proof I've also attached a copy of the XXXX XXXX, credit monitoring report. So, since I have not received a response, the company and the XXXX XXXX XXXX have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT.
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 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 card

In approximately XX/XX/2024, I used my travel rewards points to book flights for a spring break vacation. I continued to check the Capital One Travel site which confirmed all of my flight information. On XX/XX/2024, the day the flight was to depart, I went to check-in with XXXX XXXX and was informed that the flight to my destination was canceled weeks ago. ( Yet, the return flight was still confirmed. ) I was never alerted by Captial One and my Capital One Travel Trip Page did not document a change or cancelation in flight. Therefore, I had to book new one-way tickets for {$2000.00} so that we could make it to our destination. This also resulted in us having to fly out a day later and into a different airport. We had to pay additional rental car fees due to flying in and out of different airports. The Capital One Travel Trips Page still does not document that the flight was ever canceled. To date, we have received zero compensation and our reward points have not been reimbursed.
Product: Credit card

Kindly review the attached documents. I am requesting the bureau to commence an investigation into these accounts, as I have never been late, despite their erroneous reporting.