23daVinci/CFPB_Complaints huggingface dataset:
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. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Debt collection

DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. 
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have send ftc report to XXXX and TransUnion violation under the section 1681I I NEED ALL THIS ACCOUNT OF MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE THIS ACCOUNT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CreditKarma.com has given Fraudsters access to my personal information without my consent. As troubling as that is what troubles me more is that it has been more than 5 days and more than 5 emails an no one from that company has responded to my urgent emails ... '' please freeze my account ''. They need to be regulated! You can not be the gatekeeper to sensitive information and not have 24/7 phone support. That is insane to me! They need to be immediately shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX is reporting this account as a " collection '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a utility that was never late or charged off. The balance shown is an erroneous amount that was caused by the company 's flawed equipment records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and turned in all my equipment, then paid any balance owed. XXXX XXXX manager stated my account was at a XXXX balance and my account was closed, in 2019. This account is damaging my creditability and providing emotional hardships to XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

On XX/XX/year> I received a voicemail at XXXX AM from XXXX at XXXX. He did not state his name but when I called back the same voice answered and stated his name as XXXX then. 

Voicemail states there was a XXXX XXXX XXXX for something being sent from the post office- it was not clear if it was something being sent to me or being sent on my behalf to another party. Voicemail then states it is my final settlement option on the " missing merchandise ''. I am unaware of any missing merchandise and was never aware of any kind of settlement options in the first place. 

I called back to ask what XXXX is and XXXX answered. He refused to answer my question unless I provided my personal information. I refused. I have been a victim of identity theft recently and did not want to give a random person any of my information. I was admittedly rude at that point and hung up. I searched XXXX and the phone number and discovered it's a debt collection agency. I called the number back and XXXX answered again. I asked directly if it was a debt collection agency and XXXX asked " is this tough guy XXXX? '' over and over again instead of answering my question, presumably because I was rude to him before. I hung up on him again after XXXX or 5 times of that and tried calling back, hoping there was anybody else who would answer the phone. He told me he gave me my " final chance '' to settle with them but I still do not know what the call was about in the first place. 

No resolution offered, no information regarding what the business is, no information about anything at all. Given my XXXX search told me that XXXX is a debt collection agency I'm assuming " merchandise '' means debt but I'm not even aware of any outstanding debts in the first place or why anything would be mailed to me or from me.
Product: Checking or savings account

It was from mountain America credit union XXXX loan for XXXX which is a credit card XXXX is for XXXX $ or so, then a bank account was opened under my name. They wont do anything even with a police report, they are vary rude and dont care. They wont delete it from my credit report, they dont remove it from my name and its fraud. Its ruining my credit its ID theft I was park of XXXX breach even
Product: Credit reporting or other personal consumer reports

I VIEW MY ONLINE CREDIT REPORT OFTEN, I NOTICED AN INQUIRY FROM XXXX XXXX, THE INQUIRY WAS PUT ON MY CREDIT REPORT XXXX..THE CREDIT BUREAUS DONT HAVE NO ACCOUNT ASSOCIATED WITH THIS INQUIRY, AND IT IS NOT MINE, I DONT HAVE ANY OPEN LOANS ON MY ACCOUNT, ... NO OPEN ACCOUNTS ASSOCIATED WITH THIS COMPANY ... IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTED ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIAITLY UNDER 15 U.S.C. 1681.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
I TOLD XXXX AND TRANSUNION TO REINVESTIGATE THIS ACCOUNT ..REPORT # 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.UPDATE WAS XX/XX/XXXX XXXX..ACCORDING TO 15 U.S.C. 1681 1 i ( 5 ) they are suppose to modify accounts that arent reporting correctly.
Product: Student loan

I try to live on about XXXX month. I applied to have my payments lowered to what I can afford on my income. It was refused saying I didnt qualify! I listed all my bills showing before groceries, I owe XXXX Needless to say my bills are paid late as I keep getting behind.
Product: Student loan

I attended school at  XXXX   XXXX     XXXX   XXXX    -  XXXX   XXXX  years ago, probably  XXXX  or so, and in order to do so I applied for FAFSA loans. Most of my loans were set up through the Department of Education.     I am a single Dad, and at the time I was offered what they called " Creative Education Loans '' which were private loans. Although I was not told this at the time. They were sold to me as the same type of loan and situation as my Department of Education Loans.     Furthermore, as a sing le Dad I qual ified for grants which I was not informed of until  my 4th  year at the school. I was only able to take advantage of these loans during that final year, when I should have been able to take advantage of the loans for all 4 years.     I feel I was preyed upon by predatory lending by the school finance department.     I began repaying my loans in  XXXX  - with {$92000.00} and {$10000.00} in accrued interest. I can not afford my loans, but earn a  XXXX  figure salary. Therefore I do not qualify for any programs which can assist me. My son is now  XXXX   years old (  he was around  XXXX   years old wh en I started back at school ). I still owe {$94000.00} ten years later - and am having trouble making the payments with my housing costs and being a single Dad.     All of this is very frustrating and I 've been searching for ways to get out of debt, to no avail. I would love some help please.
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX, XXXX, and Transunion all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.
Product: Debt collection

Someone used my credit card to charge for devices I did not. This was reported to the credit card company but the vendor has since referred this to a collection agency.
Product: Prepaid card

My card and account was locked when I noticed fraudulent activity on XX/XX/24. Someone I belive that works at XXXX XXXX purchased XXXX gift cards overnight while I wa sleeping for {$250.00} a piece, then a suspicious charge for kracken tried to go through. I declined the charge and called the account. They locked the card and overnighted me new cards.. but wont let me activate them for over a week now. They are in a foreign country and keep telling me to wait XXXX hours.. everyday is another XXXX hours is the the answer. Meanwhile I just want them to give me my {$1000.00} left in the account and then they can close it and I will never use them again.. they have wanted copies of my birth certificate, DL, marriage certificate, check stubs, XXXX, all which have been sent, which I believe is crazy since they are the fraud company. It didnt take all of this info and verifying to open the account 10 years ago.. why is it taking this much to verify it?!?!
Product: Credit reporting

I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681 . This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.
Product: Checking or savings account

After Checking my Navy Federal Credit Union Bank account it was found that my school refund was deposited in my account and then it was closed without my permission and the balance was not placed in my secondary account. I also have an issue with fraudulent charges on my account that I reported that were never returned to me. I also have manually posted transactions placed on my account that need to be looked into. I will also need XXXX XXXX in XXXX XXXX, DE to be looked into, as someone has been repeatedly charging my bank account several times.
Product: Debt collection

I had a credit card through HSBC who in turn went out of business and was bought by XXXX. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX bank then sold an account that was legally discharged to XXXX. They in turn sold it to XXXX XXXX XXXX, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXXXXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX INQUIRIES XXXX XXXX NA Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I dont recognize these accounts I did not authorize them and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Experian, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dentist for a cleaning. They said I needed their version of invisaline, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.
Product: Checking or savings account

I opened an account with CashApp. I lost my debit card. Upon receiving the replacement they advised me that my balance can not be transferred and that they were very sorry. They stole my money and its being held in escrow. Furthermore their customer service people cant speak XXXX so how are they able to understand my situation? CashApp are criminals and they stole my hard earned money. I want my money back.
Product: Credit reporting or other personal consumer reports

Im attaching documentation of a paid debt and removal from credit report which is still appearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND MY PAPERWORK WAS NEVER PROCESSED FROM BACK IN XX/XX/2020 2020