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

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXXXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX and transunion reporting agencies refuse to remove these accounts from my name after required documentation was submitted FTC REPORT IS attached. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I think there may be an issue with your records or data, perhaps my info was mixed up with someone else. i only had one account with Possbile and thats account # XXXX. Unfortunately, theres another account reporting on my profile with a balance of {$230.00} XXXX this account is not my and im asking for it to be removed.
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 information, accounts or 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 accounts or information which is 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 Opened Date XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX XXXX 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following acounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

SUBJECT : USAA Federal Savings Bank & stolen funds via fraud To whom it may concern : United Services Automobile Association ( USAA Auto Insurance ) is wrongfully holding me liable to pay {$820.00} from a fraudulent USAA Federal Savings Bank checking account fraud, and ATM card thief that was protected by bank policy, and regulation that did not hold me liable. USAA Auto Insurance refuse to give me auto insurance until I pay back the {$820.00} which was the amount of loss from an allowed individual fraudulently deposit counterfeit money orders with my stolen ATM card. USAA Federal Savings Bank has always reported to me that I do not owe anything from that fraudulent transaction and thus my account is clear and free from debt owe ; however, USAA Federal Savings Bank did not replace my personal funds that were taken in lieu of at least XXXX fraudulent money orders in the amount of {$800.00} ( or {$400.00} each ) and this is where USAA Auto Insurance is holding me liable and will not give me auto insurance until {$820.00} of that debt is paid. 

I am seeking to file Formal Complaint to the Consumer Financial Protection Bureau and the Georgia Insurance Commissioner about USAA Federal Savings Bank & USAA Auto Insurance holding me liable, unwilling to provide auto insurance to me on the basis of this fraud that their Banking Company did not correctly resolve by not replacing my {$800.00} of personal funds taking during their bank fraud. My funds are still missing in USAA Federal Savings Bank and I am held liable in United Services Automobile Association for monies that should have been in my account to cover their {$820.00} sought for my reestablishment of auto coverage they are refusing to give me. 

This behavior to deny replacing my stolen funds and then allow me liable for that account deficit in your auto insurance division is scandalous at best. 

REFERENCE : Consumer Financial Protection Bureau complaint file # XXXX XX/XX/2023
Product: Debt collection

On XX/XX/2020, XX/XX/2020 and XX/XX/2020 the Joseph and brown debt collectors called and are threatening me that if I do not pay $ XXXX they will sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX   ), and XXXX v. XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACURATE ACCOUNTS REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB as the governing body over credit bureau please have Experian follow and uphold the Fair Credit Report Act. Experian has violated the law by not removing inaccurate late notice on my credit report from my XXXX XXXX XXXX account for the month of XX/XX/2020. I have given Experian supporting documentation as they requested to show that I made my payment on time for the month of XX/XX/2020. I have sent them multiple letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment for XX/XX/2020 to XXXX XXXX XXXX. 

CFPB this is clearly multiple violation by Experian after I sent them multiple supporting documentation showing payment made on time as they requested. Under the supervision of CFPB please have Experian remove the late notice on my XXXX XXXX XXXX account form the month of XXXX based on the supporting Bank Statement showing multiple payments received and made on time and Experian violations of the Credit Reporting Act multiple times. This inaccurate information being reported by Experian is not right or fair to me. They should not have the right to continuously report this inaccurate information.
Product: Credit reporting 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, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX PM XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( XXXX Creditor : XXXX FIRST XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; ONEMAIN XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.
Product: Debt collection

This complaint is about a debt collection from Procollect in the amount of {$2200.00}. On XX/XX/XXXX, I signed a 12 month lease contract with an apartment complex ( XXXX  ). According to the contract agreement, after the 12 month lease was up, it converts to a month to month basis ( contract will be attached to this complaint ). I stayed in the apartment from XX/XX/XXXX until XX/XX/XXXX, submitted an in-person 30 day move out notice on XX/XX/XXXX ( even though, only 15 days notice is required for month to month according to contract ). Without any notice of a late fee or a broken lease, i found out about the debt collection by Procollect. The collection was placed on my account on XX/XX/XXXX, in the amount of {$2200.00}. I reached out to the apartment complex ( XXXX ) through phone and email to try and resolve the situation, but no response. So, i reached out to procollect to request a written statement for proof of the collection. However, on XX/XX/XXXX, they sent me a bogus none binding contract as proof. This contract did not either my signature or the apartments on it. The " notice given '' and " move out date '' is incorrect ( XX/XX/XXXX ). it also has Reason for leaving as " Skipped/owes money/no notice ''. Everything about this contract was fraud and made up. I wasn't even aware of the contract renewal. Apparently, i have a renewed contract from XX/XX/XXXX through XX/XX/XXXX that i never signed or agreed to. ( this contract will also be attached to this complaint ). Not to mention, i remember walking into the apartment leasing office ( XX/XX/XXXX ) in-person and notify them i wouldn't be renewing my contract. which is why they charged me a month-to-month fee on XX/XX/XXXX ( receipt will be attached to complaint ). 
Moreover, during XX/XX/XXXX, we were still at the peak of covid-19 pandemic, the leasing office was closed and business was conducted by appointments only or online. I would think XXXX would have notified me or sent me a copy of the renewal lease contract. How can a contract be binding without my signature or my knowledge of it's existence? 
Additionally, i am a homeowner in a different state and due to the pandemic, i have been working remotely from home since XX/XX/XXXX. I never requested my lease to be renewed. I actually attempted to call and give a move out notice since XX/XX/XXXX, but i was told move-out notice has to be in-person. so i had to wait till the holidays in XXXX ACTION TAKEN : I have requested from procollect to send me a signed contract or valid proof that i owed this debt. But they can't show me any proof apart from the fake lease contract that will be attached to this complaint. The procollect representative i spoke to last, wrongly accused me that " you stayed there and you owed the debt '' I have also disputed this debt collection with all three credit bureaus, to ask for more valid information from procollect.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Specifically, the account is being updated monthly despite having no balance or active status, which creates a misleading and inaccurate credit report entry. 

XXXXXXXX XXXX XXXX : XXXX Balance : {$1500.00} This practice violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), as furnishers are required to report accurate and non-misleading information. Additionally, the account was previously resolved but has been re-reported without proper validation, breaching FCRA Section 611 ( 15 U.S.C. 1681i ). 

I request the CFPB 's assistance for deletetion Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of the Equifax hack and my information was stolen and now all my personal information can be sold to the highest bidder due to corporate negligence.
Product: Credit reporting

I was doing a annual credit report and saw that my credit report was already viewed on XXXX/XXXX/15 and could n't get a free credit score and report on Equifax. Todays date is XXXX/XXXX/15, I noticed that the credit report was viewed around the time my wallet was lost. It had my Driver 's license and my social security card. So I 'm almost certain that my identity is in danger.
Product: Mortgage

I filed a complaint and received a response from this company. I would like to respond. They claim that my homeowners insurance was not accepted because my name was not on the loan. After speaking with an attorney, I was informed that the Homeowners insurance should be in the deed holders name. That would be me. 

The mortgage company says I submitted a premium showing my partners name so they accepted that and returned the money they took for the LPI. Once my partner passed I NEVER had a policy with his name on it since my insurance company said they could not insure a deceased person. I find it fascinating that the insurance they accepted from me, which was in my name, was during Hurricane Season and when Hurricane Ian hit my home and I had extensive damage. They allowed my company to cover those damages of course. 

They also say they spoke to me many times on the phone. I called Freedom mortgage when I received the letters about LPI and the only thing they would tell me is that they could not speak to me because my name was not on the mortgage. I tried to explain to them that not only I, but my insurance company sent the proof of insurance to the many times. Again, I was apologized to and was told again they could not comment on that account to me. I assumed my insurance policy was good enough since they accepted it in 2022. But no one would ever confirm that with them. If all of these calls have been recorded do they have a recording of all my calls on XX/XX/XXXX thru the XXXX? I did have an agent tell me that my payoff was XXXX and that they received my check and I was paid in full. 

I believe this company has been unfair and after all the documents they requested from me were sent to them and since my partner passed over 2 years ago they have have been nothing but rude and have been a big stress in my life.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter. 

These following inquiries was not authorized and should not be reporting. 

Inquiry Name : 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 XXXXXX/XX/XXXX
Product: Prepaid card

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing to seek assistance regarding an issue I am facing with a gift card. I received the gift card as a XXXX  gift. VanillaGift.com card XXXX XXXX XXXX XXXX XXXX/ Expiration XX/XX/XX/XX/XXXX 

However, I am currently unable to utilize the gift card due to a missing Security Code. Despite my attempts to resolve the matter with the retailer, I have not been successful in obtaining the necessary information to make use of the gift card. Customer Service XXXX XXXX XXXX XXXX XXXX does not assist at all, it redirects the consumer to their website. If the consumer does not have a Security Code, their Cust. Svc and/or Online is of no use or assistance. 

I kindly request your assistance in facilitating a resolution to this matter or guidance on the appropriate steps to take, your support in resolving this issue would be greatly appreciated. 

Please let me know if there is any additional information required from my end. I can be reached at ( XXXX ) XXXX or my email : XXXX. 

Thank you for your attention to this matter, and I look forward to your prompt assistance in resolving this issue.
Product: Debt collection

I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.