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

Subject : Dispute Regarding Failure to Provide Requested Information XXXX XXXX  XXXX  Account I am writing to formally dispute the failure of the credit reporting agenciesExperian, Equifax, and XXXX provide the proof of account ownership documentation I requested regarding the XXXXXXXX XXXX XXXX account, which I am disputing. On XX/XX/XXXX, I sent a formal request to each agency under the Fair Credit Reporting Act ( FCRA ), demanding that they obtain and provide signed documentation from XXXXXXXX XXXX XXXX  verifying my ownership of the account. 

I requested the following : Signed documentation proving that I personally applied for and opened the account with XXXXXXXX XXXX XXXX 
Any other verifiable evidence linking me to this account. 
Despite this request, none of the credit reporting agencies have provided any documentation or proof within the required XXXX period. This failure is in direct violation of the FCRA, which mandates that a credit reporting agency must investigate and verify disputed information within 30 days of receiving a request. The failure of all involved agencies to comply with this law is an infringement on my rights. 

The XXXXXXXX XXXX XXXX  account continues to be reported inaccurately on my credit report, and as of today, I have received no response or verification from any of the agencies to prove the legitimacy of this account or its association with me. 

I request that this matter be escalated immediately, and I demand that the credit reporting agencies either : Provide the requested signed documentation and verification proving my ownership of the XXXXXXXX XXXX XXXX account, or Remove the account from my credit report as it remains unverifiable. 
The failure of all involved credit agencies to comply with my request is causing continued harm to my credit profile and violates my rights under the Fair Credit Reporting Act. If this matter is not resolved promptly, I will be forced to escalate it further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals office. 

Please provide me with an update on the status of this dispute and your next steps as soon as possible.
Product: Checking or savings account

PenFed Credit Union debited my checking account for {$500.00} on XX/XX/19 and paid my consolidation loan with them and applied to one payment of {$380.00} and paid late fees of {$120.00}. When I called on XX/XX/19 and asked them to refund that money back to the checking account and I would be happy to make arrangements for my hardship for medical family reasons. 
The company refused to refund my money and advised it was part of the loan Note that they could draft another " share '' account when the loan was past due. 
I told them I needed the money returned and I would be happy to make arrangements and apply for the hardship program and pay back the debt, but they still refused.
Product: Credit reporting or other personal consumer reports

For the past few months, these accounts have been appearing on my credit report, causing constant stress. These mistakes have damaged my credit score and cost me financial opportunities, which has held me back from pursuing my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax regarding fraudulent inquiries that were placed on my credit report. Spoke to a representative about the removal of the inquiries but was told it was nothing they could do. I was told to contact the creditor. However, the creditor informed me to contact Equifax. Equifax later reported that they verified the inquiries as mines. Which is not true. Equifax has been dishonesty and not properly verifying information. 

The inquiries that were not authorized by me is : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX inquiries ) XXXX XXXX /For, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I submitted a letter to Equifax disputing the following account XXXX XXXX XXXX Its been past 30 days I have not received anything from Equifax, no response to my dispute this far.
Product: Credit card

On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.
Product: Credit reporting or other personal consumer reports

I am writings dispute the accuracy of the information being reported on my credit report related to the XXXXXXXX XXXX  account with the following details Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off, {$2600.00} written off, {$2400.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$2400.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2500.00} Highest Balance : {$2600.00} Payment History : Continuous charge-offs from XX/XX/XXXX to XX/XX/XXXX On Record Until : XX/XX/XXXX I am challenging the accuracy and completeness of this information for the following reasons : 1.Lack of Proper Notice and Disclosures : Under 15 USC 1637 ( b ), creditors are required to send periodic billing statements, including necessary disclosures, to the account holder. I did not receive any such statements or notifications, including any late payment notices XXXX  days or less before the payment due date. This failure to comply with federal requirements calls into question the validity of the information being reported. 

2.Inaccurate Reporting of Payment History : The continuous charge-off status from XX/XX/XXXX to XX/XX/XXXX does not accurately reflect my payment history or any communications made with XXXX. The repeated charge-off notations suggest a lack of updates to the account, which may indicate errors or outdated information being reported. 

3. Balance and Status Inconsistencies : The reported balance of {$2400.00} as of XX/XX/XXXX, along with the previous charge-off of {$2600.00}, suggests discrepancies in how the account is being reported. Additionally, the lack of recent payments and the outdated status update from XX/XX/XXXX further indicate that this account may not be accurately reflecting my financial situation. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate information. Please provide me with a complete and detailed report of your investigation, including the documents and records used to verify the accuracy of the account information. If you are unable to verify the accuracy of the information, I request that this account be removed from my credit report. 

Please consider this letter a formal complaint under the Fair Credit Reporting Act ( FCRA ) and acknowledge receipt of this dispute in writing. I expect this matter to be resolved within the statutory time frame allowed under the FCRA.
Product: Money transfer, virtual currency, or money service

I was hired to do a painting job and the person who hired me offered to pay up front. They said they would send me a check for the amount do including extra to send to a paint supplier. I received the check in the mail took it to my local chase bank branch and deposited the check. The funds were made available within twenty four hours and everything seemed to check out. Once the funds were available I sent the money requested via XXXX To the third party paint supplier. The check then bounced and my account was debited, I am now negative almost XXXX XXXX dollars and I can not afford food gas or rent. My bank has offered no solutions and has come to the conclusion that I am at fault.
Product: Credit reporting or other personal consumer reports

I have continuously asked Capital One to provide real proof as to why the account was opened without my permission or any real verification as Capital One 's online system for opening card accounts is flawed by allowing fraudulent users to input stolen information and create accounts to steal money then Capital One holds the victim accountable. XXXX continues to report this information on my credit report as well. Capital One refuses to file the fraud report that I provided in XXXX of 2023 and to dispute all charges which I also requested. Capital One stated to me that the fraudulent user could come forward to claim and take over the account however Capital One is now renegging on their word and still wants to hold me responsible for the account which I never opened, Capital One 's practices are abusive in which holding me directly responsible for their flawed system without any proof that the charges or the account belong to me whatsoever. In all my history I have never had a credit card and I surely would not start with Capital One either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

Closing date of XX/XX/23 was ignored by XXXX XXXX, XXXX XXXX with PNC Bank. Conflicting info has been given and deadlines per contract for Loan Commitment were not met. 

XXXX XXXX PNC Bank Mortgage XXXX XXXXXXXX XXXX ID XXXX ( cell ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Locator # XXXX PNC Bank Cell : XXXX
Product: Credit card

there are inquiries on my report that i did not make, charge offs that i never received XXXX FOR ITEMS AND SEVERAL CLOSED ACCOUNTS THAT HAS HURT MY XXXX XXXX. THIS MATTER SHOULD BE ADDRESSED SOON.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST [ XXXX XXXX ] [ c/o XXXX XXXX XXXX Terrace ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] XXXX [ XX/XX/XXXX ] XXXX Headquarters XXXX : To Whom It XXXX Concern XXXX XXXX XXXX XXXX Washington DC XXXX XXXX Department XXXX the XXXX XXXX  XXXX To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX : Cease and Desist Notice To Whom It XXXX Concern, I, [ XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXXy in Fact for [ XXXX XXXX XXXX XXXX XXXX assert the following facts in accordance with established legal precedents : * " There is a difference between privileges and immunities belonging to the citizens of the United States XXXX XXXX XXXX citizen ) as such, and those belonging to the citizens of each state as such '' ( XXXX XXXX People, XXXX N.E. XXXX, XXXX ). 
* " Therefore, the XXXX citizens ( citizen of the XXXX XXXX ) residing in XXXX of the states of the union, are classified as property and franchises of the federal government as an 'individual entity ' '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L.Ed. XXXX, XXXX S.Ct. XXXX ). 
* " ... the first XXXX amendments have uniformly been held not to be protected from state action by the privilege and immunities clause [ of the XXXX Amendment ] '' ( XXXX v. XXXX, XXXX XXXX XXXX, XXXX ). 
* " The right to trial by jury in civil cases, guaranteed by the XXXX XXXX the right to bear arms guaranteed by the XXXX Amendmenthave been distinctly held not to be privileges and immunities of citizens of the United States guaranteed by the XXXX XXXX '' ( XXXX XXXX New Jersey, XXXX XXXX XXXX, XXXX ). 
* " The acceptance of a license, in whatever form, will not impose upon the licensee an obligation to respect or to comply with any provision of the statute or with the regulations prescribed that are repugnant to the Constitution of the United States '' ( XXXX XXXX XXXX XXXX v. XXXX OF XXXX XXXX XXXX XXXX, XXXX ). 
* A XXXX XXXX ' ( citizen of the federal XXXX XXXX upon leaving the District of Columbia XXXX involved in XXXX XXXX, ' as a 'resident " does not have the common-law right to travel, of a Citizen of XXXX of the several states ( XXXX XXXX Maryland XXXX XXXX XXXX. XXXX, XXXX ). 
In light of the above, I demand an immediate cessation of all activities directed towards [ XXXX XXXX ]. Any further attempts to contact [ XXXX XXXX ] or engage in coercive behavior will be met with appropriate legal action. 
This notice is issued without prejudice to any rights or remedies, legal or equitable, that XXXX be available to [ XXXX XXXX ] or the undersigned. 
Kindly govern yourselves accordingly. 
Sincerely, XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX Fact for XXXX XXXX XXXX x XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

I was working a full time job for a year getting paid {$32.00} a hour. My boss moved and the company laid me off. I am listed still as an employee but i dont work but XXXX hours per week.
Product: Debt collection

I had a collections account opened under my name for XXXX car insurance that I never had. Also there was previous debt in collections with XXXX and XXXX XXXX XXXX.
Product: Debt collection

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests via certified mail, the unverified items listed below still remain on my credit report in violation of Federal Law. You failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

Please remove account PROCOLLECT # XXXX I never had a contract with this debt collector for any debt.
Product: Credit card

I received a letter at my work address from Chase Cardmember Service dated XXXX XXXX, 2016 concerning a request for my attorneys address for an account ending in XXXX. I have not had a Chase credit for years.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.