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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Request for Removal of Incorrect Names, Accounts, and Correction of SSN on Credit Report I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address inaccuracies in my report. Specifically, I am requesting the removal of any names, accounts, and Social Security Number details that do not accurately reflect my identity. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and correct any inaccurate information in my report. According to Section 602, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Sections 604 and 605 further emphasize the obligation to ensure that information is accurate and to delete unverifiable data. 

Upon reviewing my recent report, the following issues have come to my attention : XXXX. The presence of multiple names including, but not limited to : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect accounts associated with any name other than " XXXX XXXX XXXX '' as it appears in this letter. Please remove these accounts from my credit report. 

XXXX. Incorrect reporting of my Social Security Number as ending in XXXX. The correct last four digits of my Social Security Number are XXXX. Any reports reflecting the incorrect XXXX need to be removed. 

I am specifically requesting the removal of all incorrect names and accounts and the correction of my SSN on my profile to ensure compliance with FCRA regulations. The integrity of my report is important, and it is crucial that only my accurate name and SSN are associated with my profile. 


I appreciate your prompt attention to this matter and look forward to your response. Please inform me if you require any further information to facilitate my request. 

Thank you for your assistance. 

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

In accordance with the fair credit reporting act XXXX Acct. # XXXX, Acct. # XXXX, Acct. # ending in # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

While disputing inaccurate information on my credit report after investigation I was told that the information provided was my information without any proof that that was correct. Without going into detail, I just wanted to file a complaint so that others wouldnt have to experience. The pain of having inaccurate information reported to your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The XXXX XXXX account 1st date of delinquency is being reported as XX/XX/XXXX on my Equifax credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report XXXX attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.
Product: Checking or savings account

I received my paycheck from my employer and deposited said paycheck XXXX XXXX XXXX  The paycheck I cashed was for {$440.00}. I deposited this check XX/XX/XXXX. This paycheck was funded to my savings account the next day. On XX/XX/, Bank of America took this paycheck out of my savings account, claiming that I have deposited this check twice, as the check number has gone through their system already. I have contacted my employer, who has told me that my paycheck did come out of his account on XX/XX/XXXX, when I deposited it. It was never deposited twice! Bank of America owes me {$440.00} which is what they took out of my account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Assist me in solving this problem. Also, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Take this chance to correct all the errors. Send me a copy of my credit report as soon as your investigation is done.
Product: Debt collection

Open collections AFNI from XXXX. 
I contacted XXXX on this matter and spoke with XXXX different people. No one could provide any infromation about why I was turned over to collections. When I called XXXX they had all my personal information. Since I had canceled my service over 4 years ago they had no record of my account. At the time of canceling service I was told I would not owe anything as long as I returned the equipment. I returned the equipment to XXXX in the allotted time given. 

I canceled my service with XXXX due to price increase I was no longer under contract with XXXX when canceled I returned all equipment to XXXX I provided my current billing address to XXXX I provided my current email address to XXXX I provided my current phone number to XXXX After all with I never received any emails, phone calls, or bills from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account MEDICAL  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that MEDICAL was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Transunion, XXXX XXXX XXXX XXXX. 
Subject : Dispute of Collection Account Reported by XXXX XXXX XXXX XXXX. 

Issue : I am disputing a collection account reported by XXXX XXXX XXXX XXXX for {$730.00}. I have no knowledge of this debt, and it appears on my credit report without my authorization or verification. It is duplicated on my report. 

Details : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX - XXXX I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). This account may have been added in error or could be a result of identity theft. 

Desired Resolution : 1. Validate the debt and provide detailed documentation showing I owe this amount.

2. Remove this account from my credit report if validation can not be provided.

3. Update my credit report to reflect accurate information. 

Impact : This inaccurate collection account is severely affecting my credit score and financial standing. I request an immediate investigation and resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting for information about how they did they're investigation
Product: Credit reporting or other personal consumer reports

IN REFERENCE TO THIS ACCOUNT LISTED BELOW : NCB Management I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE. 
2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE. 

This company has not provided me any of this information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) mandates that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX, as consumer reporting agencies, are subject to this law, and I, as the consumer, have the right to ensure that my private information is not shared. 

This is further supported by 15 USC 6801, which states that " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Since a furnisher of information to credit agencies is defined as a financial institution under this title, both XXXX and XXXX are bound by this policy. 

According to 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report under the written instructions of the consumer. However, neither XXXX nor XXXX has my written consent to furnish my information. Any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how they can exercise the nondisclosure option. Neither XXXX nor XXXX has informed me of my right to opt-out as required by law. 

15 USC 1681C ( a ) ( 5 ) further emphasizes that consumer reporting agencies can not report adverse items, such as accounts, that are more than seven years old unless specifically authorized. These agencies are reporting an adverse item on my file without my permission, which is a clear violation of the law.

15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) prohibits the furnishing of information to any consumer reporting agency if the information is known or reasonably believed to be inaccurate. Both XXXX and XXXX have failed to meet this standard, as they are reporting inaccurate information about me. 

Under 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific, lawful purposes. XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Finally, 12 CFR 1016.7 confirms that consumers may exercise the right to opt-out at any time. As such, I am formally opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I sent {$300.00} sent on XX/XX/20 to someone who changed her phone number and no longer using the account $ XXXX which is where the money went to. However, since her number was changed, she no longer had access to this account and was unable to cancel, or refund the money 's sent. The response I'm getting from the company " Cashapp by Square '' is that they're unable to cancel or refund any transactions that were complete. Problem is, the funds were never accepted, or completed by her because she didn't have access to the account, the phone number associated with it, or the phone. If the transaction hasn't been completed, they should be able to reverse it. I explained to the reps that the transaction was never completed on the other end and cancelled on my end, but they're refusing to assist me with recovering my funds that's just sitting there which has been drafted from my account. I continue to advise that the person receiving the funds was unable to accept and complete the transfer because she had no access to the phone, or account any longer.
Product: Debt collection

On XX/XX/2023, I was alerted to a collections account opened on my credit report by ProCollect Inc for {$340.00} owed to a company called XXXX XXXX XXXX XXXXXXXX, which is an apartment community in Arizona. I have never lived in Arizona or done any business with this company, and have zero affiliation to this apartment community. I do not owe this debt, and never received any communication from the apartment community or collection agency to inform me of a debt or seek to collect any funds. The first notification I received was simply an alert from my credit monitoring service that the collections account was opened. Also on XX/XX/2023, I immediately filed disputes with XXXX, XXXX, and XXXX indicating that this collection account was not mine. All three credit reporting agencies claimed to have verified the debt with ProCollect and closed the disputes. However, as this debit is not mine, I have no understanding of how it possibly could have been verified. I have no past history with this apartment community or any Arizona company for that matter, which can be verified by looking at my credit history and seeing no credit checks, leases, or reported addresses for this apartment community. There has been no attempt to contact me, but rather, just immediately putting this on my credit report, damaging my credit and reputation.
Product: Checking or savings account

XX/XX/2025 - Paycheck deposit missing from my Checking account. Unable to reach anyone at Capital One Bank using their Customer Service Number. More than 2 hours. Issue not resolved as of Friday, XXXX XXXX XXXX. No response from anyone.
Product: Checking or savings account

My account always shows pending transactions instead of posting them and showing the exact amount that I have available to spend. Once the transaction are posted my account goes into the negatives and fees are withdrawn immediately.
Product: Debt collection

On XX/XX/XXXX I was informed by my credit monitoring service that a collection from Choice Recovery , Inc., this debt collector was contacted on this day and I was informed that the address that they have on file has incorrect street number and therefor I never received any written communication from the original debtor nor the collection agency. The dental office that placed in collection has had a communication with me since XX/XX/XXXX to file an appeal with my insurance company which was received by XXXX XXXX on XX/XX/XXXX. The collection agency also advised that they were not made aware that this claim was in an appeal process. The collection agency should be required to remove all derogatory reporting from all 3 credit bureaus due to the Fair Credit Report Act not being followed allowing me 30 days to dispute the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXXXXXX is re-aging these 2 accounts in addition reporting in accurately and despite multiple attempts on my behalf ( certified letter ) they continue to change dates and report fraudulent information.
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 US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXXXXXX 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 an 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 or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the XXXX XXXX account to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX