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

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within XXXX days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 
2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Vehicle loan or lease

I am formally requesting clarification and verification of an alleged debt associated with my account. The matter involves questions about using security instruments or promissory notes bearing my signature and whether such instruments have been leveraged or traded without proper disclosure. I seek transparency and documentation, including original transaction records, accounting records, and written authorization demonstrating my consent for any value transfer. These actions have violated applicable laws, including the Consumer Credit Act 1974. I am also formally disputing a billing error related to my account under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). There are concerns regarding using my signature to create a security instrument or obligation, which may have been traded on secondary markets without my consent. Additionally, I am questioning compliance with federal laws governing monetary transparency, including 18 U.S.C. 8 and 31 U.S.C. 5335. I have requested full accounting records and immediate cessation of debt collection efforts during the investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I was notified via text message from Unified Global Solutions that they were going to Sue me if I dont make payment to them for my XXXX XXXX XXXX installment loan. On XX/XX/XXXX I set up arrangements. On XX/XX/XXXX my wife called to set it from biweekly to monthly at XXXX XXXX  and spoke with XXXX who said it was changed to Monthly. They took out money again on XX/XX/XXXX. When she contacted them on XX/XX/XXXX they said there was no documentation of her calling and that XXXX didnt speak with her. She has all this documented. I then called them back and they said they again changed it to monthly with no confirmed documents.I tried to research the company to obtain a website with no information. They said a refund would take 90 days as they dont know how it works. I have disputed the charges with my bank but feel that I have definitely been taken advantage of and scammed as well as the company violating my rights with the threats and falsification of an employee. When you call them they dont even use a business name.
Product: Credit reporting or other personal consumer reports

I respectfully ask for an update to my XXXX XXXX specifically the removal of the current XXXX XXXX Attached are the required documents to substantiate this request. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Product: Credit card or prepaid card

I received a letter dated XX/XX/2020 informing me that my credit card was closed. No reason was provided. I had an {$8000.00} line of credit with a XXXX  balance and zero late payments. I had been a customer in good standing for 13 years. The closure of the account will harm my credit score and credit in general. Since there was no rationale and I have been an excellent customer I demand my account be reinstated in full.
Product: Debt collection

This letter is my formal dispute notice regarding two cases that refers to the Bank of America Acct ( s ) back in XXXX. Plaintiff is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and the Law Offices of XXXX and XXXX, XXXX. I am the defendant and a victim of Identity theft and fraud. 

As reported to the XXXX XXXX XXXX Sheriffs Dept. Levying Officer. I responded to inform them that their information was completely inaccurate, fraudulent and a matter of identity theft. I requested that they return my earnest money that was levied. 

They took {$1500.00} which was garnished from my bank account, including the miscellaneous debit garnishment processing fee of {$100.00}. They have taken my time at the court house, the sheriff dept. and I had to research information which was extremely stressful. Not to mention the gas money to travel back and forth for weeks. I am not a lawyer! Therefore, I had to learn things and gather information and paper work that I am unfamiliar with. I still don't have an attorney. 

I demanded that they validate this information by providing me and the XXXX XXXX Manager Dept. We have tried to subpoena Bank of America for proof of records and asked that the law firm that took over this case to substantiate this debt. 

The case was recently brought to my attention for the first time as of XX/XX/XXXX. On that day I received a letter of ( 13 ) thirteen pages in the mail from the Sheriff department in regards to this case. 

I have never received any summons or been served by the court in regards to this allegation prior to this month, XX/XX/XXXX. When I received this letter I went to the XXXX Superior Court at XXXX XXXX XXXX XXXX. in XXXX, CA. to inquire and receive a case file with ( 80 ) eighty pages of non-conclusive information, accusing me of an alleged debt with NO Authorized SIGNATURE of the acclaimed debt.
Product: Credit card

I have been a loyal and excellent customer of Amex for 15 years. My credit score has always been Very good or Excellent. I have always paid on time. 

For a period of 6 months this year, I have had to use my credit to its full extent as it happens that my self-employed income ( about 50 % of total income ) is all getting paid in XXXX and XXXX. Suddenly and without warning, Amex decides to decrease my limit by 30 %. Had they notified me of the upcoming change, I would have been able to secure other sources of credit for the XXXX weeks left before my income comes in, but they did this without cause ( no missed payments, change in income or bad credit score ) and effective immediately. All appeals options would take a minimum of XXXX weeks, rendering them useless. Securing a XXXX takes up to XXXX weeks. Essentially they are leaving me stranded, without options and without cause. Considering my credit limit has been stable for years, I consider this to be false representation. They advertised my credit limit as being one thing and then changed it without notice and without cause. They also offered no appels options that work for a self-employed mode of remuneration. Such business practices should be outlawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

Reference to our previous correspondence to Old National dated XXXX/XXXX/2022, and your ticket # XXXX Sale of XXXX accounts to XXXX dated XX/XX/XXXX2022 and your Client Response Teams XX/XX/XXXX2022 response via the Consumer Financial Protection Bureau. 
Today ( XX/XX/XXXX2022 ) my wife and I both received two identical letters from Old National/UMB jointly XXXX dated XXXX and XXXX describing the process and timeline of transferring the existing accounts to XXXX or another XXXX custodian . 
Despite the concern we raised about a forced liquidation of our investments thereby potentially realizing steep losses it appears that Old National/UMB will not permit its current customers to transfer our investments in-kind to another XXXX custodian, Ref XXXX Letter dated XXXX/XXXX/22, page 5 ; What if I do not want my Old National XXXX to transfer to XXXX?, subsection XXXX you Old XXXX HSA to another qualified HSA XXXX XXXX Please note, all XXXX  investment asses must be liquidated before the transfer to the new HSA XXXX can be completed. It is unclear why an in-kind transfer can take place between Old National and XXXX but not between XXXX XXXX and another XXXX custodian XXXX 
We would like to believe that the above statement was included in error. We request your immediate clarification. 
It is our intent to have our accounts transferred to XXXX. Since you state that the Last day to request your Old National XXXX be closed or transferred to another XXXX custodian. is XX/XX/XXXX4, we will start the process immediately. Please also be advised that on XXXX website they clearly state that they ;. make it easy to transfer..mutual funds and other security types without needing to sell your holdings. 
We are convinced that we are not the only current account holders with Old National that would realize losses on our holdings if XXXX XXXX insists on the forced investment liquidation. This will not reflect positively on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. The Credit bureaus stated : XXXX or XXXX XXXX XXXX  XXXX was properly investigated but how, if the date last active in Not Accurate. XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 
This is grounds for Removal. 
According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Debt collection

A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out. 

On XX/XX/2023 they sent me another harassing email regarding a debt collection for an account that I closed a long time ago.
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Product: Money transfer, virtual currency, or money service

Subject : Unauthorized Chasing of my XXXX Bank of America Check that was paid out to me. 

Dear CFPB, I am writing to report that my XXXX BANK OF AMERICA CHECK was compromised, resulting in unauthorized transaction that were made without my knowledge or consent. 

Upon calling customer service to inquire about my account balance, I was informed by the BANK OF AMERICA XXXX representative that my account had a remaining balance of only XXXX dollars. before my check was intercepted and cash I had a Previous Balance {$12000.00}. 

I did not authorize or initiate. This unexpected discovery of unauthorized activity has left me deeply concerned about the security of my account. 

I request that an immediate inquiry, be conducted into this matter, and I ask that my account be safeguarded from further unauthorized transactions. 

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

I pulled a copy of my Equifax consumer report and noticed an item reporting on my credit file that isnt reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Debt collection

I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX have 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, credit repair services, or other personal consumer reports

Equifax shows on my credit report that I haven't made XXXX XXXX  payment ( XXXX  ) for XX/XX/XXXXthru XX/XX/XXXX. I called Arizona XXXX and they told me ( and I verified thru their automated system ) that they were reporting payments made for these dates in XX/XX/XXXX. XXXX sent me a printout showing the payment history for the dates in question. Therefore onXX/XX/XXXX once receiving this report I submitted a dispute to correct this information. At the same time that I submitted a dispute with Equifax I also submitted a dispute with XXXX  and XXXX  to correct the same reporting error. I also submitted a copy of the envelope that XXXX sent me the report and an official letter from Social Security Administration showing the deduction from my XXXX payments starting in XX/XX/XXXX when the first payment was due ( this new XXXX XXXX debt was discovered from a new payment history report run by XXXX in XX/XX/XXXX showing an error reported in my favor from back in XX/XX/XXXXand creating a past due amount with penalties ). The amount deducted in the XX/XX/XXXX letter from SSA was what XXXX and I had agreed upon to pay monthly. Today, XXXX  and XXXX corrected the reporting error but Equifax refuses to.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is not owed by way of XXXX XXXX   XXXX, XXXX. The amount not owed is XXXX and they sent the letter to my ex-wife and she was stress out and so were my kids. This account was discharged in Bankruptcy court. The account is XXXX. The phone number is XXXX. A month ago, I called XXXX XXXX and they sent me accidently to Portfolio Recovery Associates and demanded I pay XXXX dollars. I told them that I this was discharged in Bankruptcy court. 2 days ago, I called Portfolio and talked with an associate on account number listed above and they demanded XXXX payment. I told them I would contact my bankruptcy attorney and I did. However, the bankruptcy attorney told me that he is no longer working as my bankruptcy attorney and I had to find another attorney. This is why I am contacting your organization. My ex-wife does not owed this money and neither do I because it was in the bankruptcy chapter XXXX. I filed in Colorado and my divorce was in Colorado. The bill states " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for filling of a lawsuit against you : but even if that were the case, we still will not sue you on this debt ''.
Product: Mortgage

Equifax told me I have a mortgage, considering the fact that I am currently homeless and on unemployment through the state of Texas would you be so kind as to give me the address to my house so I can XXXX out of the people who have stolen my identity please and move in to my XXXX house that apparently they qualified for with out my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US DEPARTMENT OF EDU XXXX Balance {$5100.00} ; US DEPARTMENT OF EDU XXXX Balance {$3100.00}.
Product: Debt collection

On XX/XX/year>, I request a copy of the purchase agreement, a copy of the chain of command, and a copy of the XXXX still have not been received anything according to law stated below 15 USC 1681 is a section of the Fair Credit Reporting Act that outlines the rules for accurate reporting by consumer reporting XXXX. Consumer reporting agencies are required to verify the accuracy of information in an investigative consumer report before furnishing XXXX. If a consumer disputes the completeness or accuracy of any item of information contained in their file, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is XXXX. Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report XXXX. The XXXX XXXX XXXX XXXX for the XXXX XXXX has ruled that in determining whether a credit report is accurate or misleading under the Fair Credit Reporting Acts maximum possible accuracy requirement, a district court should apply a reasonable reader XXXX. 
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