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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent XXXX Bitcoin ( {$2500.00} ) from my XXXX wallet to my Trust wallet at XXXX XXXX, and it was received and 15 minutes later was gone. It shown as it was transferred to another account but without my permission.
Product: Debt collection

Your Name Your Address City, State, ZIP Code Date [ Credit Reporting Agency Name ] [ Agency Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear XXXX I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : XXXX XXXX XXXX Account number : XXXX AMOUNT {$4100.00} This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX data breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof ] Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : XXXX. Investigate and verify the accuracy of the disputed information. 
XXXX. Provide me with a written summary of the investigation process and results. 
XXXX. Remove or correct the inaccurate information if it can not be verified. 

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within XXXX days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, Enclosures : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurat
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

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, credit repair services, or other personal consumer reports

XXXX XXXX opened an account to a name and address different than mine. This was fraud. I filled out everything that they needed and the account was eventually removed off my credit. XXXX then send the account to another debt collector a year later. XXXX did not remove the fraudulent account from their system, as they should have. I disputed the collection with Experian and XXXX. XXXX removed the account in 3 days. Experian said the " Verified and Validated '' that the debt was mine. Which is of course impossible, since it's not. They said they asked the debt collector if the debt was mine, they said it was, so that is good enough for them. That defies any logic and is not the definition of Verified or Validation. A sad excuse for an investigation. They have my SS number, so verifying my address history would not be hard. Despicable that a company in charge of your Credit score could be so negligent. They also hung up on me when I spoke to them and voiced my disappointment with their process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested information/ documents on accounts that I feel were not mine and inaccurate the disputes occurred XXXX Credit bureaus have failed to conduct the proper investigation on accounts disputed. With no response for over 30 days and when receiving letters of investigation no documents where provided to prove the accounts where accurate and mine. XXXX XXXX XXXX XXXX XXXX response are the XXXX accounts disputed.
Product: Checking or savings account

Called customer service to have checking account closed and was told that I would need to withdraw the money I have in the account first. I tried to withdraw the balance via bank transfer however the required phone verification keeps erroring out with an " application error ''. I've requested the remaining balance to be sent as a check to my address on file which is usually the standard process when closing accounts with other banks but was told that they are not able to do so. The only option I was given was to go to a branch to have them assist which I decline because it's over a hour drive round trip. My bank account was opened online and I should not need to go to a branch to get it closed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 : XX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Multiple hard inquries is on my credit report that I do not recognize, I would like for them to be removed. I called the companies and they told me they could not give me any information regarding the inquiries and to contact the credit bureau. The credit bureau told me I could not dispute these inquires even after I told them I did not authorize this credit to be pulled.
Product: Debt collection

FBCS keeps calling daily, sometimes multiple times a day. 
They call from multiple different numbers. 
This began months ago. 
I once took the call and as soon as they mentioned a debt collection, I interrupted that I do not own a debt to anyone, I have no written documentation I own a debt and no debt collection show on my credit report, so I thought it was a scam. 

And yet they repeatedly and repeatedly keep calling. No voice mail has ever been left from FBCS, from what I can recall. 
They have been calling for several months.
Product: Mortgage

I received a letter from Statebridge saying I needed to XXXX to bring my loan current and that the outstanding due was XXXX. The company had previously been talking to me about what was due pursuant to a notice of foreclosure action. The action requires the bank to allow pay off. The bank refused payment and said I had to go through an attorney they hired and that I would have to pay fees and the due amounts were now XXXX. I sent a check for the XXXX. I then spoke to the attorney and offered to provide payment wire. They refused and said they would only allow me to pay XXXX despite the amount due was XXXX. And the principal balance due was XXXX.
Product: Credit reporting

XXXX XXXX ( XXXX, Oregon ) is reporting a collection on my account that exceeds the 7-year statute. 

The Original Creditor was XXXX XXXX XXXX and the date of the last payment on the account was made on XXXX/XXXX/XXXX. Approximately eighteen months later, XXXX purchased this account The TransUnion Credit Report reflects the date of the LAST PAYMENT correctly - As XXXX/XXXX/XXXX - XXXX does not provide the date of last payment received on their credit report for this account. 

Both TransUnion and XXXX have sent responses stating they are " unable to honor my request based on the limited information I have provided. '' As Transunion HAS the information they need due to the fact that they are REPORTING IT on my credit report, I am confused at their boggle. 

XXXX XXXX has NEVER responded to repeated requests to VERIFY the date of the last payment with the original creditor - If they were to do so the date would show XXXX/XXXX/XXXX. They are using their PURCHASE DATE as the date of the LAST PAYMENT, and this simply is incorrect and as you are aware in violation of the FCRA his account notation should be removed. 

Since XXXX XXXX, XXXX, was the termination date of the seven-year statute on this account the notation from XXXX XXXX should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$470.00} XXXX XXXX XXXX BALANCED {$740.00} XXXX XXXXXXXX BALANCED {$690.00} XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.
Product: Credit card or prepaid card

contacted company many times to fix the issue the just continue to lie about it. They continue to tell me they are sending it to corp office but I never get a call I've called multiple times but nothing has been resolved as of yet and they are attempting to resolve the issue I am the victim of identity theft. My ATM/Debit card was lost or stolen on. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$580.00}
Product: Mortgage

On XXXX, Mortgagecenter.com received a check from my bank in the amount of {$24000.00}. I monitor my checking account and was concerned when the check had not cleared. On XXXX, my concern increased so I checked with the mortgage company to see why the check had not been processed. They informed me they had not received the check. I then contacted my bank and they informed the mortgage company received the check on XXXX. On XXXX, with the confirmation the check was delivered, I contacted the mortgage company again and they then admitted they did receive the check on XXXX, and proceeded to put it in the mail on XXXX returning it to me. The reason for the check rejection provided was that their policy requires any check over {$10000.00} to be a certified check. I asked when the policy changed to require certified checks over {$10000.00} and was told that the policy was always in place. 

Problem 1 : On two previous occasions in 2021, they cashed checks of the same type, from the same bank, for amounts of {$24000.00} and {$25000.00}. Neither of those checks were certified checks. 

Problem 2 : They did not notify me they rejected the check on the first call on XXXX, nor did they inform me of the certified check requirement for checks over {$10000.00}. The main problem is the interest on the higher loan amount continued to accrue. 

Concern : Is this something Mortgagecenter.com routinely does to their clients, since it could potentially be a large financial windfall? In my case, they could accrue an additional {$2.00} per day, times 7 days for a total of {$14.00}. It does not seem like much, but consider if they do that 1000 times each month, which would be {$14000.00} per month and in 12 months the total windfall would be {$160000.00}. 

I have no idea if this is a routine practice of the company, but just want make sure I inform CFPB of what happened to me, so you could take a look. 

Thank you for your time!
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX  XXXX
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 XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Charged off Inquiries in Dispute : XXXXXXXX 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, credit repair services, or other personal consumer reports

my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these XXXX companies transunion, XXXX, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF EDXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX, XXXX & XXXX - acct # XXXX XXXX XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened an account with this merchant and Ive tried to dispute it but came back accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.