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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX  - XX/XX/2024 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/2024 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/2024 - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

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

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 has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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

The cfpb has recently filed a lawsuit against experience, alleging systemic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses a failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items, dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or Amend the disputed accounts, As experian inactions violates federal law an my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I requested that AMERICAN EXPRESS Credit Card Company update the balance to XXXX on all my credit bureau reporting agencies after I settled and paid off a XXXXold debt on ( XXXX ) separate credit cards that had already been written off, charged off, and out of PA STATE statute of limitations, despite paying off these. I was also told to send a copy of my bank statement showing the posted transactions. They have been giving me a run around from my numerous requests to update these XXXX credit card balances to {$0.00}. I have disputed this five times with no resolution from XXXX, XXXX, XXXX, and XXXX, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing and rectifying an issue with Jefferson Capital, who is unlawfully and illegally reporting false information on my credit report. These inaccurate reports are significantly diminishing my creditworthiness and causing substantial harm to my financial standing.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors are required to report accurate and verified information to credit bureaus. In my case, Jefferson Capital is reporting false information related to the debt at hand.

Furthermore, I would like to emphasize that I have never signed any written agreement or contract with this company. The reporting of this account and any associated obligations without a legally binding agreement is in clear violation of my rights under the law. Without a valid contract or written consent, Jefferson Capital has no legal grounds to report this debt or any related information to the credit bureaus.

I have attempted to resolve this matter directly with Jefferson Capital, but they have failed to correct this erroneous information. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information, and the reporting creditor is obligated to investigate and rectify these inaccuracies. Their continued reporting of false information violates the law and is causing unjust harm to my credit.

I respectfully request that the CFPB investigate this matter promptly and require Jefferson Capital to remove these unlawful entries from my credit report. The presence of this inaccurate information is causing significant hardship in my financial life, and I am seeking immediate relief. 

Please let me know if you need any further documentation or information to support your investigation. I appreciate your time and attention to this urgent issue and look forward to your prompt response.
Product: Debt collection

This debt does not belong to me infact, the name and socal security numbers are mine in any shape of form. Someone is using my credit profile. I have asked for verifiable information and informed them that I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to maintain accuracy in my credit report and improperly verifying disputed information, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

I recently disputed inaccurate charge-off accounts on my credit report. Instead of conducting a proper investigation, Equifax verified and updated these accounts without providing any reasonable basis for their accuracy. This action violates my rights under 15 U.S.C. 1681i, which requires credit bureaus to conduct a proper reinvestigation of disputed items. 
Equifax actions also conflict with federal statutes, including : 15 U.S.C. 1602 ( g ) ( 2 ) Defining " credit '' and consumer rights under the Truth in Lending Act. 15 U.S.C. 1635 Protecting consumers ' rights to rescind certain transactions.

15 U.S.C. 1601 Establishing Congressional intent to ensure fair and transparent credit practices.

15 U.S.C. 1692g Requiring debt validation to prevent inaccurate reporting of debts.

I am requesting that these inaccurate accounts be removed from my credit report for such violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent Equifax a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXX/XX/XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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 15USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 1681 s-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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Diversified constulants contacted my aunt with information about my debt without my permission.
Product: Debt collection

I had a loan for solar panels with Enfin Corp ( loan number XXXX ). On XX/XX/2024, I paid off my solar in total. However, on the same day, they incorrectly withdrew an additional payment of {$1200.00}, which has not been refunded. 

Every time I've called, they told me it would take a month to refund. 

Most recently, they've now told me it will now be 2 months. 

It's now XX/XX/XXXX, and I want my money back WITH INTEREST ( my interest rate was 10 %, so this should be the same ). 

If the situation were reversed, I'd be paying interest and late fees!! 

This money could have been paying off other debt or invested. It is ridiculous that it was debited incorrectly on their part and they aren't fast to resolve it!
Product: Mortgage

My Mortgage company Mr. Cooper has repeatedly deviated from allocating my Mortgage extra payments to an account that doesn't credit me the overage to my principal instead they are holding the funds to make additional payments. I have had to continuously call them to reenterate my request for my payments go towards my principal. Not set aside to make another payment.
Product: Debt collection

For over 9 years now Diaz and Associates in XXXX Ca. has continued to insist that I owe monies from unsecured credit card debt that is clearly time-barred and in violation of FDCPA, FCRA, California civil code 337 and other various federal laws pertaining to debt collection and protection of the consumer. As a result, I have had court issues and financial hardships from this company that engages in predatory collection practices and deceit to gain financially I have reached out to them over the years to show me the proof of the original debt, to which they have not. I have demanded that they do not contact me, to which they do. They attempt to use trickery in order to renew the debt to which I dont, but yet they continue as they know full well that the stated debt in attached to my name is uncollectable. Diaz and Associates, then recruited a law firm under false pretenses in order to collect this debt. They are a fraudulent company that ignores fair and legal collection practices, the law and, case law to in rich themselves. They use harassing tactics to pressure the consumer and uses unethical practices in order to pray on uneducated, ill-informed consumers. As a result, I have filed a complaint with the state Attorney Generals Office, as well as Consumer Financial Protection Bureau. 

As I read the multitude of complaints on file, they will respond that they know the stated laws above but yet they continue. This needs to stop immediately and the XXXX needs to respond to their ongoing hostile practices.
Product: Credit reporting or other personal consumer reports

I have contacted the collection company involved ( I. XXXX XXXX XXXX ) and demanded them to cease & desist All communication with me regarding the alleged debt and the company is still communicating with me. According to 15 USC 1681a ( 4 ) I have the right to privacy. I never gave this company my written consent to communicate with me PURSUANT 15 USC 1681a ( 2 ).

Amount : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Block Inc due to inadequate customer service and unfair practices, which violate 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 found transfer act EFTA and regulations E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO Synchrony. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. 

In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. 

Based on your past no action I don't expect you will fine Ally Bank or resolve this but I ant a Complaint on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

statue of limitations and credit reporting limitation for virginia has passed account from XXXX and it's XXXX and limitation passed in XXXX, please remove jp morgan chase from credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose