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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. XXXX and Equifax still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

XXXX account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted. 

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

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 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. 

accounts to delete immediately : 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX
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 XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 am writing to formally dispute certain items on my credit report maintained by your agency, as I have discovered inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and prompt resolution of the following discrepancies : Inaccurate Reporting : Upon reviewing my credit report, I have identified several entries that contain inaccurate information. These inaccuracies undermine the integrity of my credit profile and adversely affect my financial standing. 

Failure to Provide Accurate Information : The reported information does not accurately reflect my credit history, and as a result, it misrepresents my creditworthiness to potential lenders and creditors. This constitutes a violation of my rights under the FCRA, which mandates the fair and accurate reporting of consumer credit information. 

Lack of Verification : It appears that proper verification procedures were not followed in reporting the information in question. The FCRA requires credit reporting agencies to ensure the accuracy of the data they collect and maintain. Failure to verify the accuracy of reported information is a violation of this requirement. 

I request that you conduct a comprehensive investigation into these discrepancies and take appropriate action to rectify them in accordance with the FCRA. Furthermore, I urge you to review your procedures for ensuring the accuracy of reported information to prevent similar errors in the future. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

You work and you get to take out some money from your checks. I just switched to nights so daily pay takes 2 days. 
I requested a pay out Thursday, and I was supposed to get another one Friday. Friday we usually get paid regular checks but that has issues this weekend. I also worked the weekend. They did not give me what I was supposed to receive and the info they have available makes no sense, now they say I owe them {$180.00}?? Their accounting is horrible and they changed things so you can't go back. 

The company is Daily Pay by XXXX XXXX. I think they need an audit. I complained they are asking for to much with no response and I feel I'm not the only one, just being paid low wages I think they assume the employees are XXXX and will take their financial abuse ..how do you fix XXXX who control your money who have no way for you to talk to them.
Product: Credit reporting or other personal consumer reports

The following inquiries were reported to my credit without my authorization. 

-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: Credit reporting or other personal consumer reports

ATTN : XXXX, TRANSUNION, XXXX, XXXX RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : XXXX XXXX Account information disputed by consumer, meets FCRA requirements DISPUTE : XXXX XXXX Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. 

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

In accordance with the Fair Credit Reporting the following XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed, also this as well. Thanks 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: Debt collection

We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. 
Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. 
Thank you for your help and we want the justice to be done.
Product: Credit reporting or other personal consumer reports

They are reporting to employer over 7 years of XXXX  background when they stated that they only go back 7 years
Product: Bank account or service

i see a account that never was closed out number one number two i have a saving account that i really did not open and number 3 a whole bunch of open claimes that are being filed by the bank please take a look at my account as i am a victem as well i beleive
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Experian XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 ( Complaint # XXXX ) against Equifax and XXXX to remove some HARD INQUIRES on my credit report that I did not recognize. XXXX is claiming that these INQUIRIES came back verified however, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. INQUIRY : XXXX XXXX XXXX, 2. I
NQUIRY : XXXX XXXX XXXX., 3. INQUIRY : XXXX XXXX 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. 

Delete these HARD INQUIRIES immediately unless you want to be held liable {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX CA ) to XXXX, XXXX and Equifax. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX CA ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Bank account or service

I opened a PNC performance checking account on its website on XXXX/XXXX/2015 since there was link on its website stating I could get {$400.00} bonus for doing that. But the bonus never appeared in my account. I contacted PNC multiple times regarding the bonus issue during last 30 days but they never properly responded to my inquiry in time. The representative of online chatting just simply gave me a reference number and ask me to wait for their response. But response never came. PNC just sent me a letter saying my case was closed. How could it close my case without even contacting me. Finally after several tries, I got in touch with XXXX of its retail escalation group. Her phone # is XXXX extension XXXX. She denied there was such a promotion on my account. She said there should be some kind of code for her to verify it. I just followed its link of opening account. There was no such code. Even now, PNC 's similar ads online ( {$300.00} opening account bonus ) does n't mention anything about code. XXXX It says " Apply online now ... .Offer will be automatically applied ''. I believe it is PNC 's scam to play customers. I sincerely hope you could further investigate on this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and unauthorized use of my personal information. I respectfully request that you block and permanently delete all the accounts and inquiries listed below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
As stated under these provisions, I am entitled to have any information resulting from identity theft blocked from my credit report. I am asserting my rights under these federal laws to ensure that my credit report reflects only accurate and legitimate information. 
Accounts to be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing that I owe money which is not true this car was under the Lemon Law Act in XXXX XXXX Florida which was where the dealership that I purchased it from received the car well the car was taken back to correct some factory mishaps and recalls from mini that the eventually deemed the car to be unsafe to drive Because of flooding previously in Florida that caused damage to the car. XXXX XXXX has this car in its Possession since XXXX. I was in contact with Wells Fargo they knew what happened and apologized they have sent me Reimbursement for payment made.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX item is in violation of the PA statute of limitations which is 4 years. The account has been closed for over 7 years, yet they continue to post on my report and I have tried several times to dispute it with TransUnion and XXXX, with no success.
Product: Debt collection

I got a bundle with XXXX XXXX XXXX as of today 's date they never gave me my military discount nor any discount for having multiple services as they advised they were going to do when I signed up I gave them a copy of military id card and advised them on numerous occasions that I did not get the discount for having cell phone home phone internet I am still waiting on the correction to my bill. XXXX XXXX XXXX advised they were working on it but after several months not one discount had appeared on the bill as agreed when I got the services.
Product: Mortgage

During this whole process I have continued to communicate with mortgage company of my condition even when in hospital XX/XX/year>, after XXXX XXXXXXXX XXXX. one week later I had XXXX XXXX in XXXX and XXXX and could have had XXXX XXXX 

Placed in hospital over a week with XXXX XXXXXXXX XXXX XXXXt during a time hospital had patience in hallways so full. When released I had XXXX XXXX for one week at home to add to the issues. 

I started out with XXXX XXXX, Shellpoint representive XXXX. Provided all documents requested in XX/XX/year> after I returned to work. 

I also had informed them I had applied for assistance in government program as directed. and was told why don't I allow them to do it instead. 

The government assistance person was XXXX XXXX in XXXX, Washington. XXXX XXXX XXXX He stated he was my referred provider for government. 

Later, Shellpoint gave me new representative to start over again XXXX XXXX in XX/XX/year>. 

Even now after receiving the letter stating all documents needed to modify earlier this month and reaching email from XXXX stating it would take XXXXive to seven days to have answer back from underwriting. 

When I emailed last week to follow up on status newer banking statements as they have asked every month for four months. My income is over XXXX every month.with XXXX  retirement from XXXX. 

I gave all tax returns and documents I didn't need before to help them assist me.