23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone used my correct home phone number but incorrect driver 's license number and other incorrect information to try to open a Target credit card account in my name on XXXX XXXX XXXX. I do not know if there are other fraudulent charges on my other accounts. I am still looking into this I wanted the XXXX credit agencies to know I am NOT opening ANY new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.
Product: Debt collection

On XX/XX/XXXX I received a voice mail from CMRE regarding a collection. The phone they called from was a fake number from XXXX, OK XXXX. Upon calling the number it just went to voicemail. I went to their website and found an email and sent an email which bounced back and said wasn't a valid email. I then proceeded to call their XXXX number 4 times and could not get through.I finally found another number I got through on that is XXXX. 

On XXXX I received an alert that a collection had been placed on my credit for {$3800.00} from CMRE. I immediately called and talked to a XXXX on the phone. She kept wanting me to confirm on the phone that I had received the bill 4 times. I haven't. I hadn't even heard of CMRE until the the XXXX of last month. I told XXXX that I wanted a full detailed description of the collection which she seems reluctant to send me and hung up on me on the phone. 

I had a XXXX XXXX in XXXX of XXXX at XXXX XXXX in XXXX Oklahoma. My insurance company had approved the XXXX. My part was supposed to be {$2400.00} until XXXX tried to charge me the entire amount of {$60000.00}. I immediately contacted the insurance company I had at the time and they were trying to get out of the agreement. A {$60000.00} collection hit my credit and not until I promised legal action and contacted to XXXX  XXXX XXXX was the issue finally handled. The original collection come off my credit and the balance of the {$2400.00} was forgiven due to the fact that the insurance company gave the hospital the run around. 

I can't remember who the original collection agency was as it is not on my credit anymore. CMRE has not sent me any correspondence regarding this collection which is now on my credit. I have zero problem with paying a bill. I'm paying for my past mistakes. I do believe this is a fraudulent collection that I have never been contacted over and has now hit my credit. I have disputed the collection with the credit bureaus but do not want to go down this road for the next year fighting a collection that I have never known about. I want CMRE to do the right thing and contact me and send me the itemized list of the collection and to immediately remove the collection from my credit report. They say they just obtained the collection in XXXX of XXXX. I do not feel this collection is valid and unless someone steps in I will continue to have this collection on my credit. If I owe it great, If I don't owe it that needs to be addressed too. However, me just finding out because a collection hits my credit is not acceptable either. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX CMRE Financial Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen twice in 2018 which I later filed FTC reports, there was a BB & T foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a XXXX balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a XXXX balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to BB & T/TRUIST... calls to BBT/TRUIST that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization I HAVE INQUIRIES THAT I DID NOT AUTHORIZE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_US BKPT CT IL Date XXXX Account Number XXXX Reason for dispute__INACCURATE INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX AUTO_ 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 I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EF
TA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting or other personal consumer reports

Please review the following accounts listed in the files below, these account doesn't belong to me and I need it removed immediately. My identity is being stolen and i want this to resolve immediately. It Is degrading to my character and i want these accounts and inquires to be removed.
Product: Debt collection

XXXX XXXX Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Reporting on Paid Off Account Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report regarding a paid-off account with XXXX XXXX  Upon reviewing my credit report, I noticed that the account still reflects an outstanding balance, which is incorrect. 

The account in question ends in XXXX and was fully paid off on [ XX/XX/year> ]. I have enclosed documentation, including proof of payment, to support my claim. 

I kindly request that both XXXX XXXX and Experian update my records to accurately reflect that this account has been paid in full and that the balance should be reported as XXXX.
Product: Credit card or prepaid card

Here is my record ( timeline of my case ) about what happening with citibank credit card of my unauthorized charge. 

XXXX XX/XX/2020 - Received alert of XXXX charge from my Citi app. 
- Called credit card to inform the unauthorized charge from XXXX - XXXX credit card was cancelled immediately by citibank. Citibank re-issued a new card XXXX. 
XXXX XX/XX/2020 - I received letter from Citibank about my dispute. 
- {$470.00} was charged back to my account. 
- Citibank attached a document from XXXX about the purchase that I did not make. 
XXXX XX/XX/2020 - Call XXXX XXXX XXXX to talk to Citi security department. 
- They requested me to submit them a prove. 
- I told them I can not provide evidence to prove that I did not purchase it because it never happened.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Xactus Credit Report has the follwing information XXXX XXXX  : {$1100.00} XXXX {$560.00} XXXX XXXX  {$30.00} XXXX XXXX XXXX have not had payments in over 3 years due to debt consolidation with XXXX XXXX XXXX. XXXX attached showing I then sued XXXX XXXX XXXX for illegal collection of money from me from an attorney so these debtors can no longer come after me as XXXX XXXX did not collect debts appropriately. 

XXXX XXXX {$30.00} fee was from fraud issue and has been removed from my account. Xactus already put this on my account without even waiting another 2 weeks to look and see they have already removed the charges and are removing more charges due to fraud on the account. 

Xactus should be aware of what they put on an account before being irresponsible when it is a {$30.00} charge for non refundable bank fees, which should be an alert that is is most likely fraud. 

I have 5 pending fraud / identity theft cases pending at this time. XXXX XXXX Class Action which I started the entire case, XXXX, stolen signature which I have a handwriting analysis I can attach, XXXX XXXX Cases Class Action still pending and XXXX data breach.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXX. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX. Provide a comprehensive written explanation detailing your investigation process and results. 
XXXX. Permanently remove or block all inaccurate information associated with my identity theft. 
Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 
This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX  XXXX. XXXX  XXXX has reported to the credit bureaus od XXXX  and experian that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX  ( XXXX ) XXXX XXXX  account # XXXX and XXXX  XXXX XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 please provide proof that I provided written instructions to furnish this account along with a wet signature or these accounts must be deleted according to the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to being a victim of data breach for EQUIFAX my paid services are suppose to be free. I noticed your company keep trying to charge me services that is suppose to be free. Also, the information reporting on my credit in regards to vehicles is false, medical information is false, I keep stating to update address and personal statement and have sent your company over 15 times in the last 4 years my Drivers License Social Security Card Copy of Birth Certificate all copies and your company always state you never received it. I still have USPS receipts where I would items requested for me and my XXXX kids and never get a response back from your company. Ive sent all the documents for me and my kids XXXX and yet still no response for the last 4 years. This is for EQUIFAX XXXX XXXX XXXX XXXX Ive disputed handwritten all companies. Ive sent EQUIFAX proof of all the distress and money spent behind their data breaches and yet to be compensated for everything Ive been through trying to recover me and my kids identities. Yall keep sending me the same information stating please send in proof of documentation that Ive already sent in 15 or more times. When trying to upload it it says an error. Me and my kids lost everything, not able to get housing, get a vehicle when needed due to all the things that was on my credit report from XXXX. Since XXXX EQUIFAX was suppose to compensate me for everything Ive had to go through and still havent been compensated for me and my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
Product: Debt collection

I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!