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

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX for the account opened XXXX XXXX, XXXX with account number XXXX, XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX  for the account opened XX/XX/XXXX with account number XXXX  Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602. A. States that I have a right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

Have a loan with my pay day loan dot com their interest rates are outside of legal regulations I asked my bank XXXX to stop the automatic withdrawals from my checking acct and to stop My payday loan to stop making remote checks XXXX have refused this request
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts need to be removed below XXXX XXXX XXXX  - {$4800.00}
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX, FL XXXX XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAUor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I was made aware that my personal and identifying information was likely compromised as a part of the Equifax breach. Using my partial SSN and full lastname I completed the service provided by Equifax and was informed that Equifax believed my personal information " may have been impacted by this incident ''. I made an attempt to contact the company on their website but the page was unresponsive and due to the amount of people affected I was unable to get a hold of anyone over the phone.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and seen some inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XXXX - {$890.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted TransUnion to remove XXXX XXXX XXXX off my credit they have not done so
Product: Credit reporting, credit repair services, 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 TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

I was a contract employee for a company that used Bill.com to pay me. For some unknown reason they won't release my paycheck? All they said is that they require more documentation, but they didn't tell me what documentation they needed. It's illegal to hold wages from an employee in all states epecially the state of California. I have tried to escalate my case without any success. I've also contacted teh XXXX of the company I worked for to see if they can get this company to release my paycheck. This has been one of the worse experiences I have every dealt with during my 30+ year career. Absolutely 100 % horrible company with terrible customer service.
Product: Debt collection

I received two calls pertaining to a debt for a gym membership that I have never held, the calls came from a debt collection agency called First Credit XXXX. I returned the calls while recording the conversation informing the representative that I was recording the call. They then transferred me to a supervisor who was also informed of the recording. I asked who the calls were regarding to insure they were trying to reach me, I then requested that the company destroy any information pertaining to me and withdraw any claims they may have made. Last, I informed the supervisor that I will be filing a complaint with the FTC and hung up.
Product: Payday loan, title loan, or personal loan

I got a mail from regional Finance with a check that has been cashed posting date XX/XX/XXXX for a vaule of {$2100.00}, i never applied or recieved this check. Regional Finance sends out live checks to people unsolicited and in this case It was stolen and cashed. At this time of this incident it is recorded with USPS my mail was in hold to be held at post office due to mail box break in. This piece of mail and many others weren't held and postman left in mail box and i was not aware of this. 
Check number : XXXX. 
I do not have an account with this company. 
The DL information and email as well as signature isn't mine. 
I went into regional Finance office and filed a fraud complaint XX/XX/XXXX got a affidavit form, which i submitted on XX/XX/XXXX a form which a notary signed off on as requested. 
I opened dispute with credit bureaus and received a response today stating the company verified information that they know is not mine. Per XXXX I am contacting you to assist.
Product: Credit reporting or other personal consumer reports

Experian poorly takes the proper steps to investigates factual information that is being reported on my credit profile. I have requested and provided explanations to why these items reporting on my credit are untrue but Experian over looks my reports and fail to properly investigates the items which they still remain on my credit file. items in questions are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card. they fail to provide me with results on my disputes made about these items they are incorrect and inconsistent. they information/replies from Experian are misleading and confusing
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. I was checking carefully my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased two large item with my AMEX card because of the extra benefits that came with the purchase. In XX/XX/XXXX I purchased a riding mower for {$2500.00} with the card and it was cover by Amex purchase protection and extended warranty. from the beginning I had problems with the purchase and could not get it returned to the manufacture nor get it repaired because it was out of state. There was no repair shop within 200 miles to repair the unit, so I filed a dispute with AMex of these issues and hopes they would permanently credit my account.

Second, when I received a temporary credit I went ahead and ordered a different model riding mower costing me {$2600.00}, low and behold within two week the mower would not crank and they had to send someone out to try and get it to work, at that time I told them I just purchased it brand new and did not want to deal with a mower being in a shop for a month, that I prefered a swap out or my money back, the manufacture said they could not do that because it was a large item. So I called amex and told them of the story and I was advised to file yet another dispute under amex satisfaction policy to get my money back and we did for this mower also. to recap both mowers fall under amex policy for buyer dispute and warranted a claim and i followed proper procedure. Well, after filing both disputes with the help of amex there was a total of {$5100.00} in disputes that amex said i qualified for to be credit back to my account based on their policy and the benefits of my card. Several months pass by and I then start to receive bills with these large min. payments due, when I call amex I am told that the disputes were credited back and I had to resubmit them even though amex rep. submitted them with me, so I resubmitted the disputes. After doing so, amex then started saying my auto payment checking account was not working and was being declined by XXXX XXXX, I went to XXXX XXXX and got a letter to prove that no checks were ever NSF from XXXX  and amex still blame my account for the returned checks. A month later, I received a letter from amex saying my account was closed due to returned payments from my checking account at XXXX XXXX, even though they had proof of my statments and letter from the bank. I was with amex since XX/XX/XXXX. after the account was closed amex then sent another letter demanding full payment of both disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

DOCUMENTS or FILES ATTACHED XX/XX/2022, EXPERIAN, I disputed two address that belong to separate account. Refer yourself to complaint number XXXX and compliant number XXXX. 

Both company responses or [ Descriptions of Non-Monetary Relief ] state the address and accounts are not showing on my credit report. It also states that I will receive my credit report within 10 business days from the date XX/XX/2022. I have not received my updated credit report showing the removal of both accounts and addresses. 

The accounts and addresses are still showing on my online credit report. My REPORT NUMBER IS IN THE FILE ATTACHED
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle and failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelles has not only neglected to protect the consumer but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts. I am displeased with this discovery and insist on the prompt removal of these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in Experian appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Product: Checking or savings account

2 fraudulent checks were written against my Bank of America account on XX/XX/XXXX. We called the bank XX/XX/XXXX, as soon as we saw the pending transactions. We reported both checks as fraudulent, one for {$4400.00} and one for {$13000.00}. Bank of America filed our claim for fraud and said it would not be a problem to get our money refunded. They processed the refund for the {$4400.00} but not the bigger one. When we called again 3/15 to check why we hadn't gotten the rest, they said we didn't claim both transactions as fraud so they opened a new claim for the {$13000.00}. We have since called numerous times, and they still haven't refunded our money. They gave us {$5000.00} as an advance on the future refund, but we're still short {$8300.00}. They keep giving us timeframes on when we can expect further action, then not making any progress as those dates come and go. I really need my money back.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. I tried to fixed it so many times. but I never recieved any response from you please delete them all now XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX {$30000.00} XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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
Product: Credit reporting or other personal consumer reports

Please check the information concerning the eqifax date breach below in attachments.