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

I am writing to demand your immediate intervention in blocking and removing fraudulent information from my credit report. My Social Security number has been compromised due to identity theft and a data breach. Attached to this complaint is the FTC Identity Theft Report I filed. Under 15 USC 1681c-2 ( c ) ( a ), the credit reporting agency is legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving my complaint. This has not been done. 

The following items are disputed and must be addressed immediately : XXXX XXXX XXXX XXXXXXXX The credit reporting agency has violated United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. Specifically, subsection ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, the agency is required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. This letter has also been shared with the Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Immediate attention to this matter is expected. 

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 XXXXXX/XX/XXXX Unauthorized hard pull. Where did they get this misleading information? This is unfair! DELETE IT IMMEDIATELY! 

Failure to comply with my request will result in legal action against the credit reporting agency. Each violation of my rights under the following statutes will incur statutory damages of {$1000.00} per violation, as specified in 15 U.S.C. 1692k : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance under 15 U.S. Code 1681o Civil liability for willful non-compliance under 15 U.S. Code 1681n ( b ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports under 15 U.S. Code 1681b Failure to follow verification methods under 15 U.S.C. 1681i ( 7 ) Violation of my right to privacy under 15 USC 1681a ( 4 ) Violation of information requirements under 15 U.S. Code 1681c This letter serves as formal notice that any delay in addressing my dispute will be deemed willful non-compliance and will be forwarded to my attorney for litigation. The credit reporting agency is legally required to handle my dispute without delay, regardless of assumptions about third-party involvement. Attempts to delay or deny processing of consumer disputes based on such assumptions are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this inquiry, please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. They are reporting a debt for XXXX, however, I have not had XXXX  in over 8 years. I returned all equipment and have not paid XXXX in over 8 years now, this account would be well past the credit reporting limit and needs to be removed immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX ONEMAIN Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I do not recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY! 
I believe this is a violation of the. Credit Reporting Act Section 1681b ( c ) and it is also a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documentation associated with these accounts, bearing my signature and authorizing an inquiry.

I also demand you to produce a contract between you and I consumer bearing my signature showing that I gave you permission to furnish any information on my behalf.
Product: Credit reporting or other personal consumer reports

I previously submitted disputes in regards to dispute w cfpb under dispute number XXXX. You all messaged me wanting to give company another 30 days to totaling more than 60 days for them to come up with paperwork hey have not been able to provide me with for 6 months. But now with the additional time given they will have an extra month to prepare items they have NOT had period since they stated collecting on this and since it appeared on my credit. You all are not trying to help me as a consumer my attorney and I have come to the conclusion you are trying to give them more time because you stay in business due to the bad practice by these companies. I will be filing suit and will litigate this. Its is in dire need that this be deleted NOW : not in another 30,60 days. This is ridiculous. Experian and Equifax have not investigated this pand openly in 6 months and now you are giving them additional time to create documents. The how is highly illegal. I requested by law for it to be removed from all my credit report immediately!!!!!
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 TRADE COMMISION 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$740.00} PXXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : 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: Checking or savings account

While XXXX XXXX XXXX, checking accounts was open and NSF checks was deposit into these accounts for funds. The dates each account was opened I provided a sentence order from the court showing the dates 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

These INQUIRES are Not Mines, They Don't Belong To Me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX* DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1681 section 602 A : states i have the right to privacy.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) states : 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: Payday loan, title loan, or personal loan

I called to ask for a temporary deferment as i am struggling financially. My husband is injured and only receiving partial salary which has put the obligations on me that we usually split. I asked for temporary help as he should be returning in two months or so to full time and we will be OK. I spoke to an agent who kept telling me i had no options because my account was current and the only thing i could do if i wanted help was let me account go delinquent. I knew that could not be right so i asked for a supervisor. i then got XXXX XXXX, who treated me like a degenerate, embarrassing me for even asking for this temporary assistance. Initially, he confirmed what the representative had said i could apply for a deferment once my account wad delinquent. i explained i was calling now, XX/XX/XXXX because my next payment is XXXX. XXXX and i pay half the first two weeks of the month and half in the end of the month. If i waited passed XX/XX/XXXX and the deferment was rejected, i would owe the entire amount and be in a worse financial position. also explained in my condition i did not want that kind of stress and may be unable to call in at that time. He made terrible comments to me like " you knew these payment would be owed when you got XXXX '' and " your responsible for 48 months not your husband '' talking down to me making me feel worse about a situation thats already embarrassing. i KNOW my obligations and always pay my bills and called in timely to make sure to take care of this in advance. it is unconscionable that i would have to let my account be delinquent to get any assistance as if i am punished for paying timely and upholding my obligations. I am also disgusted with the way XXXX XXXX spoke to me and he needs to be in additional training and perhaps remember customer service involves human beings. The things he said and the derogatory comments which i recorded to a good customer and XXXX woman were UNACCEPTABLE. no one should ever be treated that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly remove these items ASAP. Thank you. 
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: Mortgage

I have been paying this Equity Home Loan for 10 years. I have paid over {$100.00} every month for the past 10 years and this month they said that I will now have to pay {$220.00} a month and if I do n't they are going to take my home. I am XXXX and XXXX and I get a total of {$820.00} a month. I do n't have enough money to pay my mortgage, this loan, utilities and have food to eat. These people prey and the elderly and are trying to take my home. They said that all the money I have paid for the past 10 years has not been taken off the loan at all. After 10 years I still owe the same amount if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a " potentially negative '' report on my credit report that I have tried to dispute multiple times now and it keeps popping back up. I have contacted XXXX XXXX  XXXX and they assure me the account is paid in full and closed. Yet after each dispute it comes back onto my report. I am trying to secure a mortgage and do NOT need a loan I paid off continually popping up as negative. This is wrong and illegal and harming my credit. Two years now this has been on my report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, u
nless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

CFPB, I'm not happy with TransUnion I've there Fraud department 6 times about an inquiry on my report, that I know nothing about. I did not authorize for that inquiry. Fraud is a serious matter. I fill that TransUnion is not taking this matter serious. Also I will attach the FTC report
Product: Checking or savings account

A person physically went to a Chase branch and posed as me. They went with a friend. Apparently they opened up a joint savings account. They linked all my other accounts. They transferred roughly $ XXXX out of multiple accounts to this new joint account and the either withdrew it or transferred to another Chase account that I did not have access. The thing that really annoys me is that I had this happen to me a couple of years ago. The bank said they put additional safeguards on my account, including an oral password needed for any in branch transaction. Apparently the process was not followed. I dont understand why they dont have multi step verification for in branch transactions. It makes no sense. Even if they CALLED me. Or sent a text code to my phone. Either of these would have saved me from what is going to be a nightmare to get my money back. Apparently, they dont have any of these protocols in place for in branch. In addition, all of this happened in 1 day. How did it not set off fraud signals? There were multiple high dollar transfers happening within minutes of each other. How does that not seem suspicious? And, apparently, the person did a teller cash withdrawal of $ XXXX. How did that not set off alerts? But most importantly, I feel like I was physically assaulted. I feel like I was physically violated and there needs to be some changes to Chases in branch transactions to make them more secure. Every back has online multi factor in place. The physical branch is very weak in terms of security and the CFPB needs to push them to make it more secure
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with the Fruad Deparment Every inquiry That is not attached to an account is not fine by me, was never approved by me and I did NOT sign for it.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Williams & Fudge Inc I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. 

I dispute your right to do so. 

Notification to Other Collectors | dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to thiS matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Emails sent XX/XX/XXXX from me and XX/XX/XXXX from XXXX XXXX ( see below ) to Lexus Nexus, as well as attempting to submit dispute via Lexus Nexus ' website to no avail. XX/XX/XXXX received letter from Lexus Nexus, case # XXXX, stating " no disputes found ''. Email sent from XXXX  : ( Loss dispute request Inbox XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX, me Dear LexisNexis Consumer Center : We would like to dispute information on the XXXX XXXX ( Auto or Personal Property ) Report. 

Here is the claim number and insurance company associated with the loss I wish to dispute ( or explain ) : Claim # XXXX XXXX XXXX XXXX This accident dated XX/XX/XXXX should be listed as an at fault loss, but XXXX XXXX was not the driver. XXXX XXXX is the vehicle owner/policyholder. XXXX XXXX was the at fault driver. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions
Product: Debt collection

LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$470.00} LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX {$490.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with LVNV FUNDING LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, LVNV FUNDING LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FRCA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that this is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my appearing on my consumer FICO credit report. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Comission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.