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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
Product: Mortgage

On XX/XX/2016 I have applied for a mortgage to refinance my house mortgage. I have provided my three year tax return my XXXX and other required documentation. Today is XX/XX/2016 I do not have any respond from the bank of America to know if they will approve my mortgage or they will deny. I have made few calls to my loan officer and XXXX XXXX XXXX the loan manager but still no any respond.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : {$23.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$570.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX INT ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit card

I am a customer/consumer of the financial institution American Express and its subsidiaries/parents/affiliates/etc. 

Title 15 U.S. Code 6801 states, It is the policy of the 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, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments XXXX through XXXX. 

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by XXXX5 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercise this right, as I was not able to by reasonable means before. American Express does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, past, present, or future, to a non-affiliated third party or credit reporting agency.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive repeated calls daily from this company. I signed up for a debt consolidation service and they continued to call my personal phone and my place of employment. 
Causing a phone to ring repeatedly in the attempts to annoy or establish communication is against the law. I have asked for the calls to stop and sent a cease and desist and still the calls continue.
Product: Payday loan, title loan, or personal loan

Made a purchase using afterpay on XXXX... Purchase was cancelled from merchant XXXX saying they could not process payment .. contacted afterpay and they are giving me a complete run around to refund my first payment ... Saying I still need to make my other payments for product I did not receive... Sent them proof of cancellation and so on of proof and they r telling me merchant hasn't confirmed cancellation in which is a lie because I sent them proof that merchant in fact did notify them ... Purchase was almost for XXXX $ and payments are XXXX $ every two weeks with first down payment already taken from account..
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 recovering lost funds were impossible and that tracking these transactions was infeasible. The CFPBs 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. This lack of accountability and Transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The Are Different Accounts Under My Credit Report Accounts That Are Closed And Are Open Fraudulently And Was Reported And Were Not Removed Off Of My Credit Account And Were Not Properly Investigated And There Are Hard Inquires On My Credit Accounts Also For Cards That I Have No Knowledge Of And Have Never Opened Under My Consent Those Were Also Disputed And Werent Removed Or Properly Investigated
Product: Checking or savings account

On XX/XX/XXXX, our USAA account was hacked, an outside account was added to our profile, and someone transferred {$10000.00} from our savings into this unknown account. USAA was notified immediately of the fraud. A police report was filed, as was an FBI report. USAA has refused to make our account whole again and is holding us liable. They have not and will not provide the specific details that led to this conclusion. They are no longer willing to discuss my case, and have recommended I get a lawyer.
Product: Credit card or prepaid card

American Express had a $ XXXX/month statement credit for using XXXX ( for platinum cared " members '' ) Turns out as of XX/XX/2021 they changed that credit and signed me ( and I assume many many others ) to an XXXX subscription with no notice, for $ XXXX/month.

When I inquired, Amex made it incredibly difficult to contest the charge, taking more than 2 hours and multiple reps and at least one supervisor to NOT resolve the issue.

When Amex told me I signed up for it, there's NO PLACE ON AMEX 's site to unenroll. 
They told to unenroll on XXXX 's site, but I'm not enrolled via XXXX 's site. How do I know? because I can't unenroll and it offers me to ENROLL.

Btw XXXX is even worse only way to contact customer service is via XXXX. Not their app, not their website.
Product: Debt collection

- In XX/XX/XXXX, our home mortgage creditor discovered a " {$0.00} '' debt by Credit Collection Services on my FICO credit file. It cleaned off 100 points. 

- On further investigation, we found it to be tied to a XXXX XXXX XXXX dollar bill which we had paid off in XX/XX/XXXX TO XXXX  when we got the bill in mail in mail. 

- Despite that, my XXXX  balance account seemed to have reached some Credit Collection Services, who brainlessly reported an XXXX dollar account to FICO as OPEN. 

- I had zero communication from this company, no mail, nothing. For an entire year, they kept reporting to FICO that i owed them XXXX dollars and severely damaged my credit resulting in INCREASED RATES of our home loan. 

- When i tried to contact the company, they realized this error and said " Oh OK we will send the closure now ''. 
I asked for them to share with me the closure report, so i can try and fix the credit damage on our end too. 
" No we have a policy to not mail this to the debtor '' I never even owed them a dime ... 

Now i'm sitting with damaged credit, with this company who have illegally put a collection on my account ( XXXX dollar )!! And they are not willing to help fix it in time. If I lose the home loan, we have sufficient cause to sue.
Product: Debt collection

About 6 years ago, XXXX XXXX hired a law firm called Presler and Presler ( Now Presler, Felt, and Warshaw ) to collect a debt that they allege I owed on an account that was never mine. Over the years, they have garnished my wages and filed a judgment against me for this debt. They did so at a time when I was deeply depressed and was indifferent towards the situation and any documentation sent to me. It is a XXXX XXXX account and I have documented proof from the executive office of XXXX XXXX that it is not mine and I was never responsible for any balance owed on it. XXXX XXXX and the law firm they hired have ruined my credit and they have harassed me for years about this debt. For that, They deserve to be punished and I demand they make restitution for the money they garnished from my checks. They are threatening to garnish more of my wages and I can not afford to have my money taken from me. Also, please make sure this judgement filed against me gets rescinded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. i noticed some inaccurate items on my credit report. i sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY ILLEGALLY REPORTING DEBT THAT WAS SOLD TO XXXX XXXX XXXX XXXX XXXX, A DEBT COLLECTION AGENCY. 
A LETTER WAS SENT TO NAVY FEDERAL TO CEASE REPORTING AND NAVY FEDERAL IS CONTINOUSLY REPORTING INACCURATE INFORMATION.
Product: Credit reporting

Transunion credit bureau, XXXX, chose to not temporary lift my security freeze, these transunion employees tried to get me to give them an additional {$5.00} from my credit card. The transaction number for the {$5.00} from XX/XX/2016, is XXXX. They understood I needed to get my credit report today for a loan. My phone number is XXXX. I spoke to XXXX today with your agency. Also, I explained to them, by law they are not supposed to even take {$5.00} to temporarily lift the security freeze because I have it placed there due to past identity and fraudulaunt activity on my credit report. Thank you for your expedited assistance in this matter. I strongly feel Transunion is extremely wrong in refusing to assist me and insisting on getting additional money from me. Sincerest, XXXX
Product: Credit reporting or other personal consumer reports

I'm in the process of monitoring/cleaning my credit when on XX/XX/2024 Debt Collection Agency XXXX XXXX XXXX placed this debt on third-party credit reporting agencies ( Experian, XXXX and XXXX ) without first disclosing to me in writing or electronic form, thus violating my Consumer Rights under 15 U.S.C. 6802.

My first contact with XXXX XXXX XXXXXXXX was via email on XX/XX/2024 notifying me of the debt requesting a payment. On XX/XX/2024 I replied notifying the above violation requesting them to remove this account from all reporting agencies and issuing a Method of Contact Disclosure. They flagged my account as being disputed but meets FCRA requirements. The account remains on my credit reports negatively affecting my credit worthiness.
Product: Debt collection

On XX/XX/XXXX, I was notified of a credit change due to a debt collector placing 2 derogatory marks in the amount of {$250.00} on my credit report. Upon review, I determined that IC System based in Minnesota was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX TX. Previous to the credit report change, I had never received any type of communication from either IC System or XXXX XXXX regarding my past due amount. On XX/XX/XXXX, I spoke with both companies and resolved the issue, finding out that the 2 marks were for the same overdue invoice from XX/XX/XXXX and that I only owed {$120.00}, however, I was required to pay {$250.00} to clear my account with IC System. I paid the overdue amount promptly, and on XX/XX/XXXX both derogatory marks were removed from my credit report on XX/XX/XXXX. I was refunded the overage amount of {$120.00} that IC System had charged me on XX/XX/XXXX. On XX/XX/XXXX, a new derogatory mark in the amount of {$110.00} was placed on my credit report by IC System. I called IC System but they could not explain why a new mark had been placed on my report and that I would have to take that up with the credit reporting agency. The credit reporting agency for all of this activity is XXXX.
Product: Credit reporting or other personal consumer reports

I went on a satellite dish site to order service from them, I believe the original site had been phished and I gave my social security number and credit card number to start service, i decided not to go with that service, now around a month I keep a check on my credit report and it stated i purchased a XXXX under a new open account which I did not purchase a XXXX and I lost XXXX points on my credit score.,,, the phone number was a number from area code ( XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

Sorry, I am having trouble fitting my complaint into your format. This is about phishing scam/spams I am receiving - A LOT OF THEM - from XXXX. I can send you original emails at any time if you contact me. 
This one is " SpeedyLoan Reminder '' and " Your XXXX funds are wiating. Your account is already approved '' - WHAT ACCOUNT??? I have NO LOANS beyond my mortgage. I did not sign up for this, do not trust the source, and can't unsubscribe because I'm sure they'll just send me more if I try. Very frustrating. I've been reporting to XXXX  and also to ftc, but I'm not getting much traction there, still receiving these frequently. And they are NOT all about loans - who do these folks think they are? The send me stuff on getting loans, yes, but also refunds, and want to sell me a portable mosquito zapper, get me an unsecured XXXX, reminding me to schedule appointments, etc. etc. 
PLEASE DO NOT SHARE ANY OF MY INFO WITH THEM, AS I'M CONCERNED THEY'LL JUST SEND ME MORE OR SELL MY INFO TO ANOTHER PHISHING SPAMMER.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed fraudulent inquiries and personal information that were incorrect. I DID NOT originate nor authorize these inquiries on my credit report. Please DELETE the following inquiries as this is a clear case of identity theft/alleged identity theft outlined in XXXX XXXX XXXX and must be DELETED within XXXX business days of receipt of this letter. Also, pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) please update my personal information immediately as well. Please see attached copy of my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am requesting for Discover Bank to remove and delete fraudulent accounts from my XXXX, XXXX, and XXXX credit report immediately due to fraud as well as these fraudulent accounts from its system. I have sent Discover Bank Id Theft report as well as police report stating that these accounts are fraudulent. 

Discover Bank has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try to dispute an account that is over 7 years old. XXXX XXXX XXXX repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with Experian. I tried disputing it twice throught Experian both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. XXXX wrote off the account and are now trying to double dip 7 years later and Experian is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I called in XXXX due to my credit score dropping XXXX points due to false reporting. I called Westlake Management and they refused to correct the issue. Once I filed the complaint they corrected it. The status was corrected for 30 days now they are back reporting late payments 5 and 6 months later and I have had a deferment since XXXX therefore should never have been reported late.