23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX, Pa XXXX Date XX/XX/18 RE : XXXX XXXX, XXXX Acct # XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

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

Subject : Dispute of Unauthorized Credit Inquiry Dear Sir/Madam , I am writing to formally dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 1681b, a credit report can only be accessed for certain permissible purposes. I believe that the inquiry made on my credit report was not authorized by me and does not meet the permissible criteria under the law. 

Here are the details of the inquiry I am disputing : Date of Inquiry : [ XXXX XX/XX/year> ] Inquiring Party : [ THD/CBNA ] I did not authorize this inquiry and have not received any communication from the above-mentioned party regarding this request. I am requesting that you investigate this matter and remove the inquiry from my credit report if it is found to be impermissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
the lack of transparency and accountability is unacceptable and raises serious concerns about user safety
Product: Money transfer, virtual currency, or money service

Google and its employees are actively engaged in an effort to defraud me of my owed financial compensation. This compensation is owed to me by the U.S. government as restitution for damages caused during a security clearance investigation. Google, numerous times now has done the following to me on several individual accounts that I have made on their platform : -Made me unable to access my email and set my email 's reset method as 'recover by email using the very email address you can not access ' -Made me unable to use Google Pay to pay for services such as Google XXXX. 
-Deleted key evidence from my Google XXXX that I could use to protect myself from the XXXX XXXX effort that they are complicit in. 

Google is actively engaging in an effort to rob me of my owed compensation. They are actively taking advantage of their access to my information, financial payment authorizations, and evidence to further their effort of XXXX XXXX me.
Product: Debt collection

Since starting back in XXXX until last year XXXX ( last certified was sent on XX/XX/XXXX ) I have been trying to get TransWorld System Inc to provide proof that an erroneous debt that they are trying to collect on and has put on my credit report is indeed my debt by showing proof of a contract and not by validating with photo copies of a bill ( s ). To this day and as you can see from past complaints, they have still failed to provide the proof. I have sent numerous certified letters asking them for the information to send accurate proof and all they continue to send is a photo copy of a bill. They have this account in collection under their company in the amount of {$610.00} to this day reporting, but again can't prove that the erroneous debt in fact belongs to me. Providing a photo copied bill is not proof of validation anyone can do this with technology nowadays. It is a violation for TransWorld to continue to report after without being able to provide the proof after a certain amount of time and continue to report to the Bureaus without the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Product: Credit reporting or other personal consumer reports

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

i have a twin sister all 'her information is on my credit instead of hers. I file a dispute several times in this matter but the items are still on my credit this has been an on going thing for years. I just want my life back please help me i can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago an XXXX credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called XXXX several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

XXXX XXXX refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, XXXX XXXX doesn't care if someone who applies for their cards is real or fake, and if they're fake XXXX doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and XXXX XXXX is failing me for their own gain.
Product: Mortgage

I applied for Covid relief, and my application was accepted. I contacted them to begin re-payment, and in two week they applied for foreclosure. I contacted them and they had me to complete a lengthy application and turn in numerous documents. They stated that my documents were not accepted.
Product: Debt collection

Wakefield and associates is listed on my all XXXX of my credit reports twice. I mailed a letter to them to verify the debt and I have not received anything in return. I mailed the letter about two months ago. The credit report says its from the medical center. I did n't go to the medical center during the time frame that listed. I need to see some type of verification to make sure this debt is mine. I have called this collection a few times also but cant get in touch with anyone.
Product: Vehicle loan or lease

I suffer from XXXX XXXX XXXX XXXXXXXX and XXXX as well as XXXX XXXX XXXX which is greatly agitated by stress. I have reached out to lender to explain to them that once the funds are available I will make a payment. They requested that I reach out to them and I have reached out to them to request that they no do not call me. The individual that I spoke with states that he would not be able to comply with that request as I owe them money. I explained to him that I did not say that I don't owe the money however, would rather not to be contact as I will reach out to him when funds were available. Lender states that he does not have to comply with my request as he is not a collection agency. Although correspondence states otherwise. Unwarranted calls are detrimental to my mental health. Representative that I spoke with on the phones states that he does not have to comply with my request as I owe them money. I explained that I did contact them to inform them that I would make the payment, already and is not necessary for them to call as I will reach out to them when funds were available. 
XXXX XXXX Legal Collector Legal Department New City Funding Corp . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase Closed all my account, Including Checking and all credit cards without giving me any reason. 
It really impact my daily life. It happened two weeks ago, XX/XX/XXXX. 
I look it up online and the possibility For Chase might closing your account, i have done none of those. 

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

i checked my credit today and found XXXX XXXX is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through equifax website for this item and several more but the system caused an error when i clicked submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023, I unfortunately fell victim to a scam perpetrated by an anonymous CashApp user with username " $ XXXX. '' This individual whom I engaged via XXXX XXXX under the name XXXX, promised to deliver a listed XXXX XXXX in exchange for XXXX USD via XXXX after making an upfront shipping fee payment of {$50.00}. After the said payment was successfully received and confirmed, the scammer left the chat group and most likely blocked me from previewing his account. 
I created another XXXX profile purposely to track and reconnect with the scammer, it turns out that he had changed his profile name to XXXX XXXX and still lists the said phone for sale. After interacting with the scammer under my pseudo XXXX profile, he asked me to send a sum of {$200.00} to another CashApp username tagged $ XXXX, before delivering the phone, just like before. When I probed further and asked for a meeting place to inspect the said phone, he indicated that we should meet at : XXXX XXXX, XXXX XXXX XXXX, XXXX, Indiana. I have not received the promised goods or any further communication from the seller ( scammer ) but I believe I have been defrauded ( I have documented evidence of the transaction and chats on XXXX XXXX ). Unfortunately, despite reporting the fraudulent account and transaction to CashApp ( Block Inc. ), they refuse to investigate the transaction neither did they block the user, exposing other vulnerable online customers to such scams via their payment channel.
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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. JP Morgan Chase refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Product: Debt collection

AR Solutions sent written communication to us about a medical bill from XXXX XXXX that had already been paid months ago. The written communication threatened to damage our credit if we did not pay within 30 days from their statement date. This only provided us a small amount of time to react. We called AR Solutions immediately to resolve the matter, and we were told that AR Solutions had gone through our account already individually and determined that we owed the money ( which we had paid months ago and had a receipt from XXXX XXXX showing our account was paid in full ). After our first call with AR Solutions we called XXXX XXXX and verified that our account was in fact paid in full and we had a {$0.00} balance. 

We then provided a receipt of full payment of the exact bill from XXXX XXXX that AR Solutions was attempting to collect from us. 

It has been over two weeks since providing proof/receipt of full payment to AR Solutions, and we have not received confirmation from AR Solutions that this resolved and that our credit score was not damaged. We have reached out via two phone calls to resolve and ask for written communication back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$47000.00} ; XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX IL XXXX - XXXX Federal - XXXX XXXX XXXX XXXX  IL XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   17  I sent Equifa x Credit Information services,    XXXX    XXXX  and   XXXX    a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On  XXXX / XXXX / 17  I received a response that  XXXX   XXXX  had provided verification this information was correct. Prior to me sending a letter to Equifax,  XXXX  and  XXXX , I froze my account with  XXXX   XXXX  and have a letter verifying this was done, so there would not have been a way for Equifax,   XXXX   or  XXXX  to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my Equifax,  XXXX  and  XXXX  credit file permanently.