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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 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. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice a debt was being transferred to them. Per section 609 of the FCRA I request the original documentation of the debt. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. XXXX, Equifax and XXXX. They have the documentation to support that this account is fraudulent and needs to be removed immediately. I will be uploading those same documents to this platform.
Product: Mortgage

Refer to XXXX and XXXX. They still havent fixed it. They are charging too much for escrow. They need to reduce monthly payment and also refund overage. Thanks
Product: Checking or savings account

On XX/XX/2023, my spouse XXXX XXXX wrote check # XXXX on our joint Chase checking account ending in XXXX to XXXX XXXX for {$100.00}. On XX/XX/2023, we logged into our Chase checking account online and saw that a check had been chased on XX/XX/2023 for {$5000.00} made out to XXXX XXXX at another Chase branch. Someone stole our check, washed it, and changed the payee and amount. We reported this to Chase on XX/XX/XXXX and the representative advised it would take 30 days to resolve the claim. We also reported this theft to the XXXX Police Department ( case : XXXX ) and the United States XXXX XXXX XXXX ( request XXXX ). 

After two weeks we received a fraudulent check affidavit from Chase which we completed and returned to Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX and they advised that it would now take XXXX to 90 days from XX/XX/XXXX to resolve this claim. This is totally unacceptable as Chase is the party who cashed the fraudulent check. 

We have had this Chase checking account for 9 years without any issues but now Chase is refusing to refund the {$5000.00} that they withdrew from our account. Under the XXXX, Chase is responsible for accepting a check that has been forged or altered.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX  Was called about debt in XX/XX/XXXX from XXXX XXXX and XXXX about this debt again, told them that I already paid this debt Checksmart has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told XXXX about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!
Product: Other financial service

I 'd like your intervention in getting the cancellation response from the following company : American Consumer Credit Counseling XXXX Inc. 
XXXX XXXX, MA XXXX Client Reference # XXXX ; XXXX I had previously contacted this company for credit counseling. The process was scheduled to start on XX/XX/2017 with an initial amount of {$980.00} to be drafted to my Bank account on or about XX/XX/2017. In the meantime, I decided to cancel the arrangement, and I notified this company several times through email notifications. I also tried to contact the company by phone, but they 're not reachable ; and nobody contacted me after leaving numerous voicemail messages. The company needs to send me a confimation letter stating that proposed contract is cancelled and they would make no withdrawals from my bank account.
Product: Credit reporting or other personal consumer reports

I am refilling the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Broadway Financial out of XXXX XXXX, TX, has an account that was charged off. When I tried to contact them about paying off the debt it had increased from the original charge off amount and it had continued to increase. Just recently on XX/XX/2020 an increase of {$6.00} was added to my credit along with them running a credit check every 3 months on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that you are reporting With your company to my consumer report that is illegal according to the fair debt collection practice act Delete those transactions or delete payments from my consumer report Affidavit of business information for credit purposes It is come to my attention that your company and organization Have reported several inaccurate accounts on my business credit profile. According to the fair debt collection practice act, 3rd party creditors must provide Proof and accurate documentation of a contract between a consumer and said company. 
XXXX XXXX XXXX XXXX for the record This company has no agreements with any 3rd party debtors and Majority of consumer debt It's accurate and current please remove all misinformed information from our company consumer credit profile remove all late payments or collection accounts. Update consumer accounts to paid As agreed. Please reflect for the record all XXXX XXXX XXXX XXXXFor the consumer profile of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section XXXX ( XXXX XXXX. XXXX ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Student loan

I attended XXXX from XXXX. I withdrew because I was lied to about transferring my credits. In XXXX I applied for XXXX XXXX for XXXX and was denied. In XXXX, my student loans were XXXX due to being a permanently XXXX veteran. I wanted a refund on all the payments and offsets paid on my student loans. In XX/XX/XXXX XXXX advised me I would have to reactivate my loans to get a refund. On XX/XX/XXXX I received a letter from XXXX that my loans were reactivated. I was told that ascendium had my loans. Then after contacting ascendium I was told by them that the debt resolutions group had my loans. I contacted them and was told that to send him had my loans. When I go on the federal student aid website it states that navient has my loans. So after contacting all these companies I found out that ascendium does have my loans even though the federal student aid website states that navient has my loans. I contacted ascendium about getting a refund and they sent me an email from the XXXX  stating I would have to contact the XXXX XXXX XXXX for a refund. Then about XXXX weeks ago I received a check in the mail from the Department of Education for {$1000.00}. I called the federal student aid customer service to find out what that check was from and nobody knows. I contacted the sending him XXXX again and they stated that they can't give me a refund once again and I would have to contact the XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX and they told me it's ascendium who would have to give me a refund since they acquired my loans in XXXX from navient and navient got my offset in XXXX. I'm being put in circles and nobody will give me an answer. I also have a XXXX XXXX  Application that is pending that I resubmitted in XXXX just at my own advice because nobody was telling me what to do.
Product: Credit reporting or other personal consumer reports

A credit reporting agency MUST PROTECT my Nonpublic information by federal law, which Equifax obviously failed to do! According to 15 USC 6801 Protection of Nonpublic Personal Information ( a ) Privacy Obligation ( b ) financial institutions safeguards ( 1 ), ( 2 ), ( 3 ) was not followed by Equifax which VIOLATES MY CONSUMER RIGHTS! 15 USC 1681 Eb Maximum Accuracy of the consumer, Equifax has also not followed this which violated me as a consumer. I AM A VICTIM OF EQUIFAXS DATA BREACH and ALL of my information has been IMPACTED by Equifax! I have been disputing collections that do not belong to me, updates on information that doesnt make sense, inquiries that I have not authorized, wrong addresses, phone numbers, names, employment information even though proof has been sent numerous times via certified mail or its then removed and replaced and given a hard time to get corrected again, wrong account numbers, wrong amounts for the past few years and now I know the reason for it all because of you Equifax ! Equifax has been in violation of 15 USC1681n Civil Liability for Willful Noncompliance and violation of 15 USC 1681i-Procedure in case of disputed accuracy, description of reinvestigations they have have NEVER MAILED to how investigations were conducted or proof an investigation actually has taken place upon request on numerous occasions, if there is no proof then the account shall be deleted but Equifax chooses to leave in on my consumer report anyways because its how they make money, at my expense! I have been severely impacted by this situation and defamation of my character due to reporting FALSE INFORMATION. I have been denied for credit cards, houses, XXXXXXXX XXXX XXXX, due to Equifax. I refuse to put anymore time, money, energy into dispute letters that are not properly investigated, ignored or some type of stall tactic.We have passed the stage of investigations for 30-60 days, you Equifax had your chance to make this right, this is my last attempt for you to finally do the right thing ALL 3 collection accounts, charge off XXXX XXXX XXXX XXXX and XXXX that shouldnt even be reporting that have been updating through the years due to this breach, amounts I do not recognize, account numbers I do not recognize, XXXX charge off, which I have no clue who that company is, which Ive disputed isnt mine numerous times, XXXX its just too much to list as I refuse to spend anymore of my time when Ive disputed everything except my XXXX XXXX which are the only thing that seems accurate ( that Ive noticed so far )
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against Security Credit Services for engaging in debt collection practices in the state of Texas without the required license to do so. This is a clear violation of state law and the Fair Debt Collection Practices Act ( FDCPA ), and it has resulted in an unlawful attempt to collect a debt that has been reported to my credit file.

Debt Collector Name : Security Credit Services Account Number : XXXX Debt Amount : {$11000.00} Date of Report : XXXX I have verified that Security Credit Services is not properly licensed to operate as a debt collector within the state of Texas, as required by Texas Finance Code, Chapter 392 ( Texas Debt Collection Act ). Security Credit Services has not registered with the Texas Secretary of State as required by state law, and as a result, their attempt to collect this debt is illegal and void.

Legal Violations : Violation of the Texas Debt Collection Act : According to XXXXXXXX state law, debt collectors must be properly licensed to operate within the state. Since Security Credit Services is unlicensed in Texas, they are prohibited from engaging in debt collection activities here.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA ( 15 U.S.C. 1692 ), it is illegal for a debt collector to engage in any unlawful debt collection practices, including attempting to collect a debt without proper authorization or licensing to do so.

Violation of the Fair Credit Reporting Act ( FCRA ) : Because Security Credit Services is not licensed to collect debts in Texas, their report of this debt to the credit bureaus is a violation of the FCRA, as it constitutes the reporting of inaccurate and unverifiable information.
Product: Debt collection

This is a complaint from XXXX against CBE Group for CBE Group 's failure to provide requested information for the debt alleged. As of XX/XX/2017, CBE Group has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

TRANSUNION, XXXX AND XXXX have all posted inaccurate and slanderous information related to late payments on the account for the XXXX XXXX XXXX XXXX . 15USC 1681 ( a ) late payments reports on my consumer report is illegal. The reports of late payments have lowered my credit score and made me look un creditworthy to the financial institutions in the form of denial letters stating late payments and repossession. 
XXXX XXXX XXXX XXXX XXXX called me a number of times on multiple occasions which is prohibited by 15 USC 1692b ( 3 ). 15USC 1692 is designed to eliminate abusive, deceptive, and unfair debt collecting practices. 15 USC 1692f ( 6 ) provides liability for unfair practices such as dispossession of my personal property in question, my XXXX XXXX XXXX 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 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I was sent to collections by XXXX XXXX XXXX XXXX in XXXX TN for an outstanding balance of {$140.00} that I was unaware of. As soon as I was made aware of the debt I paid the full amount online in XXXX of 2022. I spoke with an employee of Accelerated Receivables Solutions on XX/XX/XXXX and explained this. I asked for verification of the debt and provided them with the reciept of payment via email. As of XX/XX/2022 I am still receiving calls, messages, and texts from ARS attempting to collect a bill already paid.