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

I appreciate your attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> cfpb Consumer Financial Protection Bureau Ph. XXXX Subject : Dispute Dear cfpb I hope this letter finds you well. I am writing to formally dispute the [ nature of the issue, e.g., a billing charge, an incorrect transaction, etc. ] on my account. The details of the dispute are as follows Attachment.

I have reviewed my records and believe the charge/transaction is incorrect. [ Provide any supporting information or evidence you have, such as receipts, statements, etc. ] I kindly request that this matter be investigated and resolved as quickly as possible. If further information is needed from my side, I would be happy to assist.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card balance paid off XX/XX/22 and balance should have been reported to credit reporting agencies as XXXX. Contacted Comenity director XX/XX/22 and was told system updated taking place I would need to wait 2 billing cycles. Recontacted Comenity XX/XX/22 after bill cycles passed and information was still inaccurate. 

Ive contacted all 3 credit reporting agencies to report they have received false information from Comenity. Each one told me to wait 30 days for updates.
Product: Money transfer, virtual currency, or money service

This person XXXX XXXX sold me a fake pair of XXXX on XXXX XXXX using this account https : XXXX XXXXXXXX. It was a very good forgery- had a copied serial number, the price was low but not too low, and even " paired '' on my XXXX as an XXXX product. But the fake XXXX were crap- certain features didn't work, as I late realized. I had already submitted payment via Zelle and now am having a difficult time getting it back -- Zella has declined to help.
Product: Student loan

I have submitted on several occasions the XXXX paperwork to the loan holder Navient, for the XXXX XXXX XXXX XXXX Discharge Deferment due to being on XXXX, and that being my only source of income in the last almost 4 years, that has to support myself and XXXX minor children. 

Navient told me over the phone numerous times, even emailed me what to send them, and I promptly sent them several times everything that they asked for along with the XXXX paperwork. However they are the only company which refuses to relinquish my loan, or explain why, when all other student loans have been removed due to the XXXX paperwork. 

They call me to the point of harassment, and well past business hours to the point I am getting calls after XXXX at night, and even over 20 plus calls a day ever during the time that the President had placed a hold on all student payments. This is becoming more than harassment at this point with them. 

I am hoping that you are able to help point me in a more successful direction, resulting in at the very least gaining the knowledge as to why they refuse to honor the XXXX paperwork that they told me to send them. 

Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
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 studying 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 inquiries : XXXX XXXX Date of inquiry : XXXX XXXX || Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX  || Date of inquiry : XX/XX/scrub>XXXX XXXX || Date of inquiry : XX/XX/scrub>XXXX XXXX || Date of inquiry : XX/XX/scrub>XXXX XXXX || Date of inquiry XXXX XXXX XXXXI || Date of inquiry : XX/XX/scrub>XXXX XXXX  || Date of inquiry XXXX XXXX XXXX || Date of inquiry : XX/XX/year>
Product: Debt collection

It has come to my attention that there are errors on my credit report. 
The account number XXXX XXXX XXXX XXXX amount XXXX usd. 
I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. 
I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last ten years Equifax has held up my free annual credit report. The only way I'm able to get my free annual credit report from Equifax is by filing an annual complaint with the CFPB. 

I ordered all three of my credit reports once again this year and once again Equifax has held only my free annual credit report. All of my other free annual credit reports have arrived and my wife 's Equifax credit report has also arrived with her others. Her free annual credit reports were requested at the exact same time that my free annual credit reports were ordered.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children.
Product: Credit reporting or other personal consumer reports

I went to the XXXX store on XXXX XXXX XXXX XXXX New York, NY XXXX XX/XX/XXXX. I received a letter post date XX/XX/XXXX, states I applied for a XXXX XXXX XXXX XXXX by XXXX XXXX XXXX. The letter states I was denied due to my personal reasons which I knew I never wanted a credit card. The day the sales rep ran my credit, she told me she wanted to see if I had any discounts or credit card on my account and I explicitly told her No I have cash to pay for my items I wanted at the cash register. She ignored my request and told me to input my birthday in the kiosk so she can see if I can get a discount. She wanted to use credit to pay for my $ XXXX dollars items. I paid for my items with cash and immediately seen a notification of a hard inquiry on my credit report. I requested more information from her and she said thats not a credit pull she did. I dont have to be concerned. She illegally open a credit card and my credit was denied in which it impacted my credit. This is illegal.
Product: Debt collection

this account was started as a result of identity theft i have file police report and ftc id theft affidavit notarized outlining this specific account
Product: Debt collection

XXXX XXXX today received a phone call from a company called XXXX who works for ace cash express. And apparently are wanting to contact my place of employment and i told them i at work when i was called. Being told i was being sued for {$130.00} was insane. Im a XXXX vet and its hard enough to not have to deal with people like them. They wan na go to court very very pushy. The company XXXX keeps pushing for information to send paperwork employment my home. Ive gotten emails in the past about this same situation and i know that they can not tell my employer about this either. Going to court for XXXX $ is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE FCC FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX  AND XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FINANCIAL TERRORISM! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof.

USAA Complaint : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date USAA claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. USAA has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. Meaning USAA has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) USAA also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : USAA has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. USAA does this to cause deliberate harm and this method was approved by their CEO XXXX XXXX and likely other board members. USAA literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Product: Credit reporting or other personal consumer reports

Unauthoried accounts on credit report XXXX. An collection at XXXXXXXX XXXX Opened XX/XX/XXXX orginal creditor XXXX XXXX XXXX. An Open Account at XXXX, Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit, reporting act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnace account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.
Product: Credit card or prepaid card

Had fraudulent charges. Company reversed them and sent me new card as well as letter saying they had made mistake. Asked me to send in documents and photos which I did numerous times. Promised call back in 5 days on 3 seperate occasions. I have XXXX in that account and today was told I was out of luck and would not be able to access it at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent them the paperwork of a lawsuit that shows this info should be deleted off my credit report and not report at all. I sent them paperwork where the other reporting agencies deleted it but this agency refusing to delete and keep changing information and hurting my credit score
Product: Checking or savings account

My small business recieved a check payment from XXXX 's XXXX XXXX. XXXX XXXX issued the XXXX XXXX  check in the amount of {$8000.00} to XXXX XXXX ( previous cleaner 's dba ) when in fact the current dba we use is XXXX XXXX. 

His mistake is quite understandable as he had a long business relationship with XXXX XXXX. He simply failed to make the check out to XXXX XXXX ( our dba ) as shown on his invoice. We changed the dba upon purchasing the dry cleaners for clarity 's sake to avoid confusion exactly like what's happening now. 

For 15 years we have done business banking with XXXX XXXX, We use the respective dba names of our XXXX stores and endorse checks in the CORPORATE NAME. I ( president/owner ) failed to note the word 'Express ' vs 'Cleaners ' on the check payee line and endorsed it as per normal. I submitted the check to our Huntington Bank business checking account using the MOBILE DEPOSIT application for the first time ever. This deposit occurred on XX/XX/22. 

Huntington Bank noted the payee/endorsement discrepancy and rightly put the {$8000.00} check on hold. They required a notarized 'Release of Funds ' form and explanation of circumstances, which we provided. The declined to release the funds Huntington Holds next said the original maker ( XXXX XXXX  and XXXX XXXX ) would need to request a return of funds. They ( XXXX and XXXX ) have done so, but Huntington still refuses to release the funds. 

Finally on the XXXX day ( XX/XX/22 ) of this saga I spent XXXX hrs alternately on hold and speaking to yet another indifferent person in what they call Customer Service. Each said basically " Can not help you. Not my department. Holds says to go to the local branch manager. Click. Goodbye ' The area supervisor ( former branch manager ) addressed the situation with current branch manager and they too were told that XXXX and XXXX XXXX need to request the funds release. So, I called XXXX again to reconfirm he had made the request. He had. 

I contacted Huntington Customer Support via XXXX direct message. They were quite responsive but were also stiff-armed by Huntington Holds Department with the same story : " Talk to branch manager '' and/or " Have XXXX request release ''. 

Government regulatory action is my last recourse. I have exhausted all avenues- and became exhausted in the process.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # XXXX, XXXX, has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my XXXX request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance.

Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response.

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 that 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 have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance