23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pioneer has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees which shall be determined for taking time to address these issues. Violations committed against me include but not limited to : ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. ( 3 ) Violated 15 USC 1692d ( l ) ; Attacking my reputation, accusing me of owing an alleged debt to you. ( 4 ) Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval. ( 5 ) Violated 15 USC 1692f ( l ) ; Attempting to collect a debt unauthorized by an agreement between parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Product: Checking or savings account

This company has been withholding my deposits XX/XX/year> Cyberstalking and making threats about it
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX XXXX ;
Product: Debt collection

Beyond Finance Inc. has breached our debt settlement agreement withholding my money from XX/XX/2019 - XXXX XXXX in the amount of XXXX, not providing me proper services, information, documents, and broken settlements. Beyond Finance failed to comply with FDCPA and Rosenthal Act. I'm in more financial debt and credit  damage due to fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX , has violated my rights. 

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 cannot furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm never late. The Bank agreed to update this account due to a family tragedy. Please update this account ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2021 reporting of adverse credit information without the opportunity to opt out is a violation of 15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer, an opt out and privacy notice. section 5 ( a ) of the FTC ACT 15USC 45 ( a ) prohibits, unfair, or deceptive acts or practices in or affect in commerce safeguard rule section 501 ( b ) of the Glb act 15USC 6801 ( b ) requires financial institutions to protect the security, confidentiality, integrity, privacy of customer, non-public personal information from foreseeable, internal and external risk.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit report, I noticed that there are several instances of late payments recorded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection agent is trying to collect a debt that was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX XXXX XXXX XXXX accounts for which I was an authorized user on and not the primary accounts holder or the person responsible for these accounts that Equifax is reporting as I 'm the responsible party when in fact in the credit reports it states I 'm simply an authorized user ...
Product: Checking or savings account

On or about XX/XX/year> XXXX had me use my account to put a down payment on a vehicle and theXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the police in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of his relatives was stand in front of my bank when I first go XXXX XXXX XXXX XXXX and his family held me in their home for XXXX months with the doors locked and when I told auto imports the female told me she could talk to me because my name wasnt on the account. But they should have stopped the payment and give me my money back and requested him to return the car or pay his down payment. A female name XXXX that works there helped him because he brought car of a guy he was jealous of and the girl XXXX who works at XXXX XXXX had the previous owner the XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that XXXX is reporting. This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

I have submitted multiple disputes to no avail and no status updates. The Account was reported 30 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks.

If the information can not be fully verified, I request that all six late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -XXXX
Product: Credit card

I ordered a XXXX monitor on XX/XX/year> using my American Express business card. XXXX stated that it was delivered a few days later but the delivery photo doesn't show my door or any address at all. XXXX claims that it was delivered and there's nothing they can do. AMEX keeps siding with XXXX despite not having proof that it was delivered. 

It never arrived to my address and American Express keeps denying my disputes with no explanation or solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the reporting of student loan by XXXX  ( Account Number : [ XXXX ... ] ). According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I believe that the loan is inaccurately reported on my credit file. 

Specifically, I dispute the following After reviewing my credit reports I have noticed an account that is inaccurately listed on my credit report. This account has been removed from all of my other credit report files and it is not a valid account.Navient student loans has been charged with committing this crime against millions of customers This company has been notorious for reporting inaccurate information which is why they current have a huge lawsuit against XXXX XXXX loans. XXXX already removed off my credit just not TransUnion and XXXX. I can also send you pictures of me sending letters and showing proof on top being part of lawsuit that CFPB file FCRA SECTION 605B FCRA SECTION 615 ( f ) FCRA SECTION 623 ( a ) ( 6 ) 15USC1681c-2 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/2022 / CAPITAL XXXX ( Bank ) XX/XX/2022 /
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report on ( Date ) and noticed some things are incomplete and not accurate. 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 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 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. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Product: Debt collection

Debt was covered by insurance but was not properly billed. When contacted by Optimum Outcomes I sent a registered letter to them the next day disputing the debt and that it was covered by insurance. The letter was ignored. I continued to receive daily robo calls for over 3 months ( Got one today! ), stating that they were trying to collect a debt. I checked in the XXXX XXXX XXXX ( The hiring party ) website and corrected the incorrect insurance information, it indicated that it would rebill the claim. NEVER happened. No response to the dispute letter! I checked with my insurance company who told me it was covered 100 % and had never been billed. They now have posted a disputed collection on my credit report! They could find my SS # but not my policy #!
Product: Mortgage

Have lived in my home nearly 9 years. Mortgage company has contacted me recently to say that I live in a Special Flood Hazard Area and are requiring me to obtain flood insurance. My house has never been nor is currently in a flood hazard area. My home has n't moved during my tenure. When the mortgage company contacted me, they had already increased my escrow and began making payments for flood insurance from my escrow. Their letter said that I need to prove that I do n't live in a flood hazard area. I responded to them and insisted that THEY prove that I do. They have not responded nor have they reversed the money taken from my escrow account for the bogus claim of necessary insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$53.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding inaccuracies on my Equifax credit report ( Complaint ID : [ insert your complaint ID here ] ). 

On [ date of previous response ], I received a response from Equifax indicating that they had completed their investigation and made certain updates and deletions to my credit report. Specifically, the response stated that several items had been deleted or modified, including : Trade : XXXX XXXX XXXX - XXXX XXXX. Trade : XXXX XXXX XXXX - Deleted ( XXXX accounts Despite this response, when I checked my credit report after receiving the communication, I found that none of the mentioned items had been deleted or updated as stated. This discrepancy between Equifax 's reported actions and the actual status of my credit report is concerning and needs immediate rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my XXXX, XXXX, EQUIFAX consumer report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them.The accounts listed on XXXX XXXX are fraudulent reporting from creditors XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX IN account # XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, Also on XXXX XXXX is an an authorized hard inquiry from XXXX  XXXX XXXX date XXXXThe fraudulent account listed on EQUIFAX are XXXX & XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX.