23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Fraudulent Inquiries on My Credit Report To Whom This May Concern I am writing to express my deep concern regarding two unauthorized inquiries that appear on my credit report from XXXX XXXX, specifically : XXXX. XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX To provide context, I had a prior account with XXXX that was closed in XXXX. However, I have not attempted to open any new accounts with XXXX XXXX since then. Despite my numerous attempts to address this issue, including sending dispute letters to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I have not received a satisfactory resolution. 

It is distressing to note that despite your assertions of no record of me having any accounts with your institution, these unauthorized inquiries persist on my credit report. This situation not only undermines the accuracy of my credit history but also poses significant challenges in managing and improving my credit standing. 

To rectify this matter, I have taken proactive steps, including filing a police report, and have provided both an FTC report and my Police Report as evidence of the fraudulent nature of these inquiries. I implore XXXX XXXX to take immediate action by contacting Equifax and ensuring the removal of these unauthorized inquiries from my credit report. 

Given the adverse impact these inquiries have had on my creditworthiness and financial well-being, I request your prompt attention to this matter. Furthermore, I seek assurance that appropriate measures will be taken to prevent similar occurrences in the future. 

I appreciate your prompt attention to this urgent matter and request confirmation of the actions taken to address this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I recently pulled my credit report as of result of this I noticed I had this collection account with XXXX XXXX XXXX I  initiated a dispute with a XXXX dispute letter because the account does not belong to me and I was n't aware of this account I requested them to present me with a copy of bonding contract signed by me to which they replied to me by mail with six pages of paper page one stating the debt was valid, second page is a welcome too XXXX XXXX XXXX XXXX letter, third instructions to register the account online, fourth page Electricity Facts Label form, fifth page Disclosure Chart, sixth page thirteen state language form. None of forms provided as evidence are valid, I have also looked the company up in the Texas Secretary of State website and this company does not have the proper bonds and license to collect debt in the State of Texas. I am officially complaining about them and request this collection debt from their company to be removed from my credit immediately. Thank you, XXXX XXXX XXXX
Product: Debt collection

I contacted RMP by phone to ask for any paperwork I needed to submit to them to show that this account is being reported inaccurately he refused to send any documentation to validate the legitimacy of this account and the guy hung up the phone in my face. As of XX/XX/2021 I will be sending a certified letter with a FTC report to have this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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, Account Number : XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA, XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX CT, XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY, XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX I looked at my XXXX credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

I'm a veteran that is on contract to sell my home. I faxed the Assumption Request Form provided by Freedom Mortgage to their assumption department on XX/XX/XXXXXX/XX/XXXX that provided information about the buyers that would be assuming my VA mortgage. I was told by an assumption representative prior to this date that their assumption process takes XXXX days to complete. Based on this, the sales contract for my home had an early XX/XX/XXXX closing date. BetweenXX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX, I called Freedom Mortgage at least XX/XX/XXXXtimes ( dates I documented are : XX/XX/XXXX andXX/XX/XXXX). In nearly all of these calls, the customer service representative would attempt to connect me to the assumption department that wouldn't pick up, and I would then be circulated back to a general customer representative that couldn't provide any information beyond " our assumption department is really busy. '' The representative would also place a request to the assumption department to call me back and promise the call back would happen within XXXX weeks. I recall only XX/XX/XXXXcall backs from the assumption department and they would reiterate how busy they are and they it takes XX/XX/XXXXdays to complete the process without being able to confirm any action had been taken or information about when the process would begin. At no point, could any representative tell me when the process would begin or why it was taking so long to begin. OnXX/XX/XXXXXX/XX/XXXX ( nearly XX/XX/XXXXdays after providing the Assumption Request Form ), I finally received an email from a loan officer stating the process would take XX/XX/XXXXmore days once the buyers submit their application. Of note here, the buyers communicated to my real estate agent that they had also attempted to start the process repeatedly since XX/XX/XXXXXX/XX/XXXX. I provided all requested information back to the Freedom Mortgage loan officer that same day ( XX/XX/XXXXXX/XX/XXXX ), which was acknowledge by the loan officer on XX/XX/XXXXIn thisXX/XX/XXXXXX/XX/XXXX email, the loan officer indicated it would take XX/XX/XXXXbusiness days for underwriting to provide conditional approval for the buyers. Given Freedom Mortgage 's delay in starting the assumption process, we had to sign an amended sales agreement to push back the closing date to the end of XX/XX/XXXX. I requested a status update from the loan officer on XX/XX/XXXXXX/XX/XXXX by email ( no response as of XX/XX/XXXXXX/XX/XXXX ) and the buyers told my real estate agent that they have not been notified on their application after multiple requests for information from the loan officer. We have provided Freedom Mortgage nearly XX/XX/XXXXmonths to complete a process their representatives indicated takesXX/XX/XXXX days, and I'm very concerned the sales transaction will fall through because of their delays and lack of communication.
Product: Vehicle loan or lease

I was never late on the paid off account listed above. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report
Product: Checking or savings account

Got a text message to call and verify transaction of XXXX and they are closed. I called and it says they open at XXXX XXXX I'm in central and it's XXXX XXXX  here. That's very unprofessional of them not to be open. I can't use my card I'm very XXXX XXXX
Product: Debt collection

I have had a collection placed on my credit report that I have never been contacted about and have no knowledge of. I've requested written proof of the debt and have received nothing or any explanation of how any debt was incurred. I've disputed with credit bureaus one of which has already removed. XXXX   however has not removed the false information with no reasonable explanation. details include : COMMONWEALTH FINANCIAL SYSTEMS XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Contact Info ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, PA XXXX They are required by law to provide written proof of said debt. They won't provide any information and simply ask for money that I do not owe.. This account is stated to be from emergency room doctors I HAVE NOT BEEN IN AN EMERGENCY ROOM IN MORE THAN 10 YEARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!
Product: Debt collection

On XX/XX/2022, I received a letter from The Law Offices of Harris and Zine, a debt collection attorney. I called the original creditor on the letter listed as XXXX XXXX XXXX XXXX, XXXX. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of Harris and Zine to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of Harris and Zine to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up. 

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.
Product: Debt collection

XXXX caused me embarrassment and harassment by contacting my employer to " command '' information on my employment and income with the intention of collecting a debt for XXXX XXXX for a person with my same first and last name, residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX, w/SSN ending in XXXX. 

I notified them XXXX/XXXX/16 that I have never lived there, my middle name is XXXX, and that 's not my SSN. 

According to the FDCPA, I requested the mandated correspondence within 2 weeks confirming all collection activity towards myself and my employer had ceased. I never rec 'd and called asking for confirmation again with no reply. 

Therefore I would like to file a formal complaint against XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX for violation of the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  CHILD SUPPORT Account # XXXX Update to Open/Never late XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I confirm that the presence of incorrectly reported late payment remarks on my accounts violates 15 USC 1666. Every payment associated with these accounts has been made promptly, and any deviation from this accurate reporting is unjust and unlawful.
Product: Checking or savings account

I bank with USAA. I make transfers often with them. They dont have a physical location so you have to do it by phone. After they accidentally closed my card while I was traveling, I asked them to transfer my money to an external account that they were familiar with. On XX/XX/2020 they confirmed the transfer around XXXX XXXX eastern time. I checked the account 3 hours later and the funds were not there. They arrive within minutes. They stole it cause I threatened to close the account. They stole a XXXX transfer by phone from me and it disappeared.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative items listed on my credit report, which I have found to be inaccurate and invalid. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and have the right to ensure that all information reported on my credit file is complete, accurate, and verifiable.
Product: Money transfer, virtual currency, or money service

I have an online account on coinbase.com and sent XXXX euros to that company on XXXX XXXX 2017. 
Since then it is like my money completely disappeared, it was never credited on my online coinbase account nor refunded to my issuing bank account. 
Such delay is unacceptable and im starting to think that I was scamed and wo n't see my money again ...
Product: Credit reporting or other personal consumer reports

Experian had a data breech and cross referenced with a woman of XXXX XXXX similar date of birth and social security number. 
I became aware on XX/XX/XXXX when I received a notification of a changed address to XXXX XXXX XXXX XXXX RI. I have never lived out of the state of Massachusetts in my 43 years. All my credit history is in Massachusetts. I then contacted unknown companies on my credit file. With the police as my witness, I provided my Social security number the companies stated they did not have a match in their system. Police report # XXXX Experian filed disputes with all the information stated above and the police report and refuse to remove the incorrect information. 

My information was leaked and now misused > I am now going through horrible loopholes to try fix it. No one is helping me. Experian should be overly eager since it was their mistakes that caused the headache!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violates 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: Credit reporting or other personal consumer reports

Hello Pursuant to the Fair Credit Reporting Act ( FCRA ), I am writing to address issues related to identity theft and inaccurate information on my credit report. I request your prompt attention to the following matters : 1. Blocking Fraudulent Information ( 15 USC 1681c-2 ( a ) ) : This statute mandates consumer reporting agencies to block information resulting from identity theft. I request the immediate blocking of all accounts fraudulently opened in my name.

2. Disputing Inaccurate Information ( 15 USC 1681i ) : Under this section, I have the right to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information associated with this breach.

3. Ensuring Accuracy ( 15 USC 1681e ( b ) ) : This provision requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. I request a thorough review of my credit report to identify and rectify any inaccuracies stemming from this breach. 

4. Access to Consumer Report ( 15 USC 1681g ( a ) ) : As provided by this statute, I request access to my complete consumer report to review all information being reported and identify potential inaccuracies resulting from this breach.

5. Preventing Misreporting of Negative Information ( 15 USC 1681m ) : Please ensure that any negative information resulting from this breach is not inappropriately reported.

6. Right to Seek Damages ( 15 USC 1681n ) : I reserve the right to pursue damages for any violations of the FCRA should you fail to comply with my requests. 

XXXX XXXX XXXX XXXX  Please confirm receipt of this letter and provide written confirmation of the actions taken to address my concerns. Additionally, I request an update on any measures you are implementing to safeguard my personal information. 

Thank you for your prompt attention to this matter.