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

XXXX Subject : Formal Dispute, Demand for Method of Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts reported on my XXXX credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation, the method of verification, and a detailed description of the procedure used to verify the accuracy of the disputed information. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding all relevant documentation used to substantiate the reporting of these accounts, including proof of ownership and the burden of proof required to validate the debt. If you can not provide this information within 15 days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately. 

Accounts in Question XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXXXXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Specific Requests : Provide the exact method of verification used to validate the accuracy of each disputed account. 

Provide a complete description of the procedures followed during your investigation of this dispute. 

Provide copies of all documentation used to validate the accuracy of the accounts and inquiries, including proof that the accounts belong to me. 

If you can not provide the requested documentation and verification within 15 days, I demand that you : Block or remove the disputed accounts from my credit file as required under the FCRA.

Cease and desist all reporting and communication regarding these accounts.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), failure to conduct a reasonable investigation, provide documentation, or remove inaccurate or unverifiable information constitutes a violation of federal law. If you fail to comply with this request, I will pursue legal action for the following : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ). 

Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities. 

Punitive Damages : For willful noncompliance with the FCRA. 

Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA. 

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing you to further legal liability. 

I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond to or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax to let know that these accounts are not mines XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/XXXX it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( 2 ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Also for the Stress, Discomfort Cider Denials and Headache I as requesting that Equifax Issue me a {$2000.00} Check to my Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX within 15 working days or I will File for Litigation because I have evidence from them that states that the 2 XXXX Accounts were deleted from my credit reports when they were not. 

Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} The following Inquires are Fraudulent on my Equifax Report as well XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX 

I am advising Equifax to take this matter very serious as I am not Playing around anymore with them I will be hiring an Attorney in 15 days if nothing is not done.
Product: Credit reporting or other personal consumer reports

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c ) Experian continues to report collection every single month for XXXX XXXX XXXX  XXXX and XXXX. By doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit screw as a new charge off every single month and lowers my score compounded every month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called Equifax in regards to a dispute I made for an account listed as XXXX XXXX. I spoke with XXXX and I have never been so humiliated. Then I requested to speak with a supervisor and the both of them gave poor service and had an attitude throughout our conversation. Dealing with these type of people your dispute will never get resolved. The initial creditor informed me they sent over legal documentation for removal of the account and Equifax said they didnt receive but I have proof the creditor sent it over several times. Equifax is opening themselves up for litigation.
Product: Debt collection

So the very first stimulus check of XXXX dollars I deposited into my bank account on XX/XX/2020. I have proof of bank statements showing that it stayed in my account until XX/XX/XXXX when this debt collection agency law firm " XXXX XXXX '' took that money out of my bank account. I recently just faxed them a statement and the deposit slip and the actual check showing proof for when I made the deposit into the bank account on XX/XX/XXXX. I requested them to refund me 100 % of the XXXX dollars because they violated the FDCPA. That money was protected from being taken by a debt collector. If they do not return my money they are committing a severe violation of the FDCPA. This is the first time that I'm requesting a return of my money from them. I was not aware previous to this that the money was indeed protected. I am anticipating they push back because every experience with this law firm so far has been push back and never willing to work with me on any payment plans or anything of the sort. 

Because they took my money illegally, I was not able to make important auto repairs ( because could not afford it ) which then led to a severe car breakdown and I no longer am able to drive that car. I may have some recourse in small claims court regarding that? 

Is it possible someone can send a reminder call to the Rodenburg Law Firm that they need to abide by the FDCPA and send me back my XXXX dollars immediately?
Product: Debt collection

I've notified Lending Club several times that the alleged debt is the result of identify theft. In support of that notification I have provided a signed and notarized FTC ID theft complaint and affidavit. In addition I have disputed this firm 's reporting on my credit reports. The firm did remove all reference to this matter from my credit reports. This was a positive step. However, I am now being sued by a firm, XXXX XXXX XXXX, who claims to have bought this debt from Lending Club. I have contacted Lending Club asking that they resolved this matter, but they have not responded. See attached documents. 

My request is that Lending Club notify XXXX XXXX XXXX that they are rescinding the sale of this account to XXXX XXXX XXXX, so that the legal action now pending may be dismissed.
Product: Debt collection

On XX/XX/XXXX I obtained a copy of my XXXX credit report and noticed for the first time that " Perfection Collections '' had reported a delinquent collection account on behalf of XXXX  since XX/XX/XXXX. My XXXX account has at all times been current. I contacted XXXX  the same day, who indicated my account was not in collections. On XX/XX/XXXX, I contacted XXXX at Perfection collections via e-mail and phone ( XXXX ) who said the debt was from XXXX  and XXXX tried to tell me XXXX opened a new account for me and this was for a different account at the same address. My XXXX   account has never changed. On XX/XX/XXXX, I contacted XXXX collections department. XXXX did an investigation. OnXX/XX/XXXXXXXX called me and said " XXXX  NEVER placed my account in collections and further that Perfection Collections is NOT among the debt collection agencies used by XXXX  ''. XXXX  then contacted Perfection Collections to resolve the issue, but kept getting the Perfection Collections voicemail.

To date, I have never received any written notice of debt or even a phone call from Perfection collections. I would never have known without my credit report. My score has dropped by over 80 points because of this erroneous debt being reported by Perfection Collections.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I got a letter saying that everything was verified do to them violating my rights these loans should b removed immediately with a accuracy credit score Violations.

1. ) 15 USC 1681 section 602 a state 's I have the right to privacy.

2. ) 15 USC 1681 section 604 a section ( 2 ) it's also States a consumer reporting agency can't furnish account without my writing instructions.

3. ) 15 USC 6802 ( a ) ( b ) ( c ) which state that obligation respect to disclosure of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan through a company called XXXX  online and I made timely payments until I hit a rough patch due to covid hardship. The account was charged off back in 2021. I have managed to pay the account off in full but it still reporting derogatory and paid at the same time. I just want this account deleted off my consumer report. I am trying to buy a house soon and I am doing all I need to get my report healthy.
Product: Student loan

I am a cosigner on a student loan. I recently had a major change for a delinquency on my credit score for the loan. I have not received any type of correspondence regarding loan payments, late payments or anything regarding this loan. I am curious as to why my credit has changed without any communication as to what is needed to correct anything late on the loan. The last communication which was several months ago from them was through a phone call after they left a voice mail. I responded back to them and explained I no longer have a relationship with the borrower but will make contact to ensure the payment is made. I have not heard anything since then from them including mail correspondence which I have received in the past. I would like to file a complaint as this has negatively affected my credit without any attempt to alert me of the situation.
Product: Debt collection

Hi. I had an XXXX  XXXX done on my XXXX  in 2020 and I was having trouble making the payments with the veterinary office. I have a long-standing relationship with the vet and they had put me into collections they decided to go ahead and take the payments from me directly and they called to the collection agency several times and told them to stop contacting me that they were working with me directly I brought this to the veterinary office attention a few times and they keep telling me that they have called them. This agrncy is a company called Qualia collection Services located in XXXX California who is telling me that I'm still in collections even though the vet has explained this to them. I have made five payments to them in the last two months. The payments were made directly to the vet who called off the collection agencies and instead are accepting payments directly from me. I just called the collector to explain and I was told that I'm still in collections and it's my problem. Very rudely hung up on. I will be attaching two of the receipts that I have on hand with me now. I apologize I left the other three at home but I'm sure the vet will be able to present the receipts as well. And I do have them if needed. I do not want to be threatened and kept in collections for a debt that's being paid to the veterinary office directly.
Product: Credit reporting or other personal consumer reports

Exter finance repod my vehicle but has not changed the balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PROTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to update this account as I am never late in this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

CashApp is arbitrarily and capriciously restricting, inhibiting, reducing, sabotaging, interrupting, preventing, and otherwise obstructing money being transmitted by my predominantly XXXX, XXXX, XXXX XXXX XXXX XXXX from hiring/paying our XXXX XXXX XXXX XXXX in order to obtain much needed legal services, in our major practice areas of immigration law, deportation defense, family law and divorce, criminal defense, and civil rights law. Based on their transparently biased, XXXX, and discriminatory letter attached, where they use a ton of non-specific " buzzwords '' to justify their illegal actions and conduct, it is our legal analysis and opinion that they are targeting minority payors, and payees, to prevent or inhibit interstate commercial transactions, in violation of the federal, state and local law, and even the United States Constitution. Even worse their motivation appears to be in violation of Title VII of the Civil Rights Act as well as other Human Rights Laws of New York State ( and other states ). Please urgently investigate and advise.
Product: Debt collection

The account XXXX XXXX Bank on my credit report was paid in full and I was told by resurgent capital services LLC who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

This was sent on XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

I am also disputing the inaccurancy of the names, addresses, email addresses, phone numbers, spouse, and Derogatory Accounts. The accuracy of listed accounts and personal information are incorrect.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found hard inquiries that I do not recognize. Please take these inquires off my report. Equifax report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was paid and it is negatively impacting my ability to obtain credit and employment. Please remove from my report immediately. 

Santander XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.