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

My information was leaked by XXXX XX/XX/XXXX. I received notification XX/XX/XXXX. I have filed a dispute regarding my credit reports with equifax, XXXX  and XXXX and have not gotten a response.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is XXXX and the company name and address is XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud on my Equifax report from XXXX XXXX XXXX and it dropped my score by XXXX points but after it was reported and they removed it my score only went up XXXX points instead of regaining the XXXX back that's not right and is wrong.
Product: Credit card

I purchased food from XXXX XXXX on XX/XX/year>. The food was overcooked and not edible. I returned both sandwiches the next day. The manager couldn't refund the charge because it was done electronically through the app. Called customer service XXXX, they said go to store again. I went back without receipt and food the manager took. Not resolved. I put in a dispute with the credit card issuer. SoFi bank isn't working to get my money back.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 or other personal consumer reports

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this this complaint on XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus Experian, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

Centerstate Bank Narrative My then wife and I bought a property in XXXX County, Florida and were both present at the closing. The bank chosen for the loan was CenterState Bank, now SouthState Bank. At the time I didnt know how corrupt their employees were.

CenterState Bank which is now SouthState Bank helped my ex-wife remove me from a property deed while married. A convicted felon, former Senior Vice President XXXX XXXX XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to make sure I was removed from the property deed after she delivered a substantial bribe to him. This took place on XX/XX/2010. 
On the Warranty Deed clearly it has her name : XXXX XXXX and _________ my name is missing. In Florida it is possible to remove a spouse from a deed and they would never know and if they divorce the spouse removed from the deed is a non-owner with no rights. A bank can use their power to request to remove a spouse from the deed at the Title Company. 

She made sure this was hidden from me and I did not find out until my divorce. This was no mistake, she did the same thing with another property 5 years before this. 
I am sure there will be some type of retribution or threat from this bank for reporting this.
Product: Debt collection

I made a purchase on Pay Pal with their pay in four payments plan. I never received the item. I disputed the charge with them. They denied the claim 10 minutes after I had filed it. There could not have been any investigation done at all. I have continued to try to contact them up until a week ago. I have also requested them to only contact me through US mail and not email or phone calls. They have sent 17 emails and 8 phone calls since.
Product: Debt collection

Us asset management hasn't given me proof that I owe that balance, they have no contract with my name on it, I am XXXX and I have no recollection because they need proof that the debt belongs to me and they haven't proven anything, I don't owe the debt., that is why I am not paying it.
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXXXXXX XXXX All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXX. I reviewed my Equifax report and there is missing and incorrect data on the report relating to XXXX XXXX. The information was not investigated. 
Please provide me with 100 % accurate and 100 % complete account data to accurately reflect the details of this account or delete from my consumer report immediately for false reporting. This account is misleading as it is frivolous reporting. 

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding Equifax and its adherence to the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Upon review of my report there are instances of incomplete or inaccurate reporting on my credit file, which directly impacts my financial well being I believe that it is imperative for the Consumer Financial Protection Bureau to investigate and hold Equifax accountable for ensuring 100 % complete and 100 % accurate reporting, as required by the FCRA. The reliability and integrity of credit reports are crucial for consumers to make informed financial decisions, and any deviation from the FCRA standards can have severe consequences. 
I kindly request the Consumer Financial Protection Bureau to take the following actions : 1. Initiate a thorough investigation : Please conduct a comprehensive review of Equifax 's reporting practices to identify any instances of non-compliance with FCRA guidelines.

2. Hold Equifax accountable : If violations are found, please take appropriate enforcement actions to ensure Equifax promptly rectifies the issues, implements corrective measures, and prevents future deviations from FCRA standards. 
3. Public disclosure : Consider providing consumers with transparent information about the investigation and any actions taken, ensuring accountability, and maintaining public trust. 
The accurate reporting of credit information is crucial, consumers rely on credit bureaus to handle their data with the utmost precision. Your intervention in this matter is essential to safeguarding my rights. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address and rectify any violations of the FCRA by Equifax. 

Details and proof attached
Product: Payday loan, title loan, or personal loan

After applying online 4 a short term installment payday loan we were contacted by someone named XXXX XXXX posing as a representative of Speedy Cash saying that we were approved for {$3000.00} loan. We were supposed to receive the money within 24 hours of giving him our bank account number which we gave him our account number and routing number then he asked for our online banking username and password. When I obtained the information I was unable 2 retrieve his number from my voicemail so I went to the company 's website and call the number listed. I spoke with a customer service rep by the name of XXXX that informed me we were not in their system so I hung up I made a point to retrieve the voicemail that I received from XXXX XXXX and I proceeded to call the number he listed. I first called him blocking my number and it went to voicemail after the second ring then I called back with my numbers visible and he answered stating that he was XXXX XXXX with Speedy Cash and how could he help me. I asked for someone XXXX XXXX name and he just sat there on the line and eventually hung up after my fourth time of asking for a random person. I then called Speedy Cash buy the number listed online and I was informed that this person is a scam they are not out of Washington they are out of Kansas and then I proceeded to ask for the fraud department from which I spoke with XXXX who made a report and advise me to file a report with the FTC consumer XXXX and to contact my bank and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

This is the email I sent to Collector XXXX, Yet Have no get response from her yet Dear XXXX : Attached please find the attachments from XXXX XXXX and XXXX XXXX  As you can see before doing any procedures the provider will give you the detailed charge for the patient and insurance part. 
XXXX did not give me anything about the {$3000.00} charge for bone graft. the dentist told me that one tooth implant costs about {$200.00}, I should pay about {$1000.00}. the rest 50 % insurance will cover. 
If they can give me such details like XXXX XXXX and XXXX XXXX gave I will not do such a bone graft since the dentist told me the implant total cost is {$2000.00}.. 
Also if not I insisted on calling XXXX. XXXX will not pay such money one year later since the provider can not give the documentation XXXX asked for. 
If they can show me the detail charge about {$3000.00} for bone graft charge before procedure, and my acknowledgment ( I signed ) I definitely should pay the cost whatever they did I will also send response to CFPB Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my XXXX credit monitoring and again I see that on my report there's another charge on here from XXXX XXXX, for the amount of {$200.00} and they're stating is 60 days past due XXXX and XXXX I have never done business with this company I do not know who they are on XX/XX/2022 with XXXX XXXX XXXX XXXX online we spoke to XXXX from Experian we were on the phone for at least a good XXXX minutes and she could not find any information about me nothing much what I gave her now XXXX does their investigation and stating that everything is correct they are liars because I have a case against Experian for their breach of information I want Experian to stop having anything with my credit information I want them completely blocked frozen out this is not right this is the second time I'm doing this with the same company
Product: Checking or savings account

I have had several problems with unauthorized transactions on my checking account. I have purchased a special wallet to deflect thieves and carry large amounts of cash to decrease my card use ; finally, I check my balance regularly due to all the problems. On or about XX/XX/year>, I noticed an unauthorized use of my debit card charge totaling {$59.00}, on XX/XX/XXXX, just days after receiving a new card to replace the prior card from being hacked. I immediately called the bank, shut down my card, and requested another card. Several, a conservative estimate, times that this happened before, my money was reimbursed and I received a letter explaining that. this time, however, they said I was liable for the {$59.00}. I have called at least XXXX times and 4 times, I was mailed the same exact letter. After several requests, I was able to escalate my case to an XXXX XXXX  in early XXXX. XXXX left me a voicemail on XX/XX/XXXX saying that XXXX or XXXX would be calling me with information. I received no calls and I received no response when I attempted to reach out to XXXX. I was able to find out that the point of purchase was miles away from where eyewitnesses can attest to my whereabouts. PNC 's EXPLANATION OF DETERMINATION SAYS Transaction Details And Customer 's Historical Pattern Of Use on all 4 of the letters sent. I want my account refunded and/or a reasonable explanation that actually makes sense. I believe that I have a case number XXXX with PNC. Thank you for your attention in this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.