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

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau XXXX so consistent with causing harm to my person and financial obligations by reporting information and accounts that is in correct and do not belong to me even after there were sent the Federal Police Report of proof of my identity theft. They even have duplicate accounts on my credit report, why is this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX app made on XX/XX/22. One was for XXXX XXXX and the other as for capital one. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX {$73000.00} In good standing ============================================== XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX XXXX closed account
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract nor do i owe them any money
Product: Payday loan, title loan, or personal loan

I received alerts from XXXX that this company is trying to open an installment loan using my information. I reported it as unauthorized. I then spoke with the company twice and told them the application in my name is unauthorized and I have continued to receive alerts of the company trying to open a line of credit in my name.
Product: Credit reporting

Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.
Product: Debt collection

Date : XX/XX/XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : Firstsource Advantage , LLC Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/XXXX ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. 
State what the money you say I owe is for XXXX. How did you come to determine that amount XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number XXXX. Provide me with proof that the statute of limitations have not expired XXXX. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must ha delated and removed immediately from my credit t Repost to followers ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX # XXXX The above account is not my account. I have no knowledge of this account. I have reached out 5 times to the credit bureau asking them to remove this accuracy. FRCA states all information should be 100 % accurate and true! XXXX XXXX XXXX is not my account and I demand that it be removed off my credit report. The credit bureaus has not responded and this false account need to be removed immediately.
Product: Debt collection

Central States Recovery claims I owe 2 separate medical accounts. One for {$390.00} and one for {$52.00}. At the time they contacted me I immediately disputed the accounts for two reasons, I should have no balance with the office where I was seen as I was a cash pay patient and paid upfront upon arrival for all services rendered in the building including the separate account they claim I owe for {$52.00}. The second reason would be that the doctor I saw was on an emergency basis and he also completely XXXX me due medical negligence and I have sought legal assistance in the matter, have needed to switch law firms and yet am still within the statute of limitations for bringing action against said doctor. However instead of verifying the account and proceeding with the matter in a professional, legal, and productive way, as punishment for requesting validation and proof of how I could owe this money they claim, they immediately reported these accounts to XXXX, XXXX, and XXXX. They also do not have them reported as medical. When they first contacted me, I requested validation of the debt in writing and they failed to do so within 30 days or at all. I then requested an address at which they can receive certified mail so that I can have additional proof their company received my correspondence and they would only give me the address of a po box . I did send them an extensive request for validation as the amounts have already been paid, I also sent it with proof you sent service from the post office. I did this multiple times and have never received the requested validation and as such they continue to report monthly to XXXX, XXXX, and XXXX. They have allowed for me to dispute this information but instead of sending me the validation I requested via mail they continue to report this information as accurate. There have been multiple violations to my rights as prescribed by FDCPA, and all of my reasonable attempts which have been on a recorded line personally and or fully documented have been met with counter attempts to handle the matter reasonably or by law. As such they have destroyed my credit and continue to do so as these are genuinely my only negative accounts listed.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CITIZENSONE, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX XXXX XXXX ( XXXX  ) Sections 570.223 and 407.020, which govern identity theft and fraudulent credit practices.

It has unequivocally come to my attention that CITIZENSONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Missouri law, specifically under XXXX Section 570.223, emphasizes the serious consequences of identity theft and fraudulent use of personal information. Furthermore, XXXX  Section XXXX prohibits deceptive practices, which include the unauthorized reporting of credit information without the consumer 's consent. 

I assert with unwavering certainty that I have not provided consent for CITIZENSONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a complete disregard for both federal and state laws.

I demand, with the utmost certainty, that CITIZENSONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX  Sections 570.223 and 407.020. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouri identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CITIZENSONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting

I filed for chapter XXXX bankruptcy in XXXX but the confirmation was denied and the case was dismissed. I recently confirmed that the Bankruptcy public record was removed from my XXXX and XXXX credit reports but not from Equifax. I submitted numerous online disputes which returned as being reported correctly. I called Equifax to find out why the public record was not removed as were XXXX and XXXX. I was told that Equifax does not report according to what is on the other major credit reporting bureaus. Equifax insisted that the public record will remain on my report until XXXX. I have suffered much hardships due to my credit report over the years. It has been a long road to recovery for me over the years in reestablishing my credit. I am pleading with CFPB to assist me in clearing this public record from my personal credit report so that i can move on with my life. 
Thank you for your assistance in this matter. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX  This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit card or prepaid card

I signed up for a 10 % promo offer for cash back on my next XXXX purchase. I then used that card to purchase a {$100.00} XXXX gift card, under the impression that the promo offer would apply to that order. Instead, the 10 % was applied to a coffee for {$2.00} two days later. I called Chase twice to ask for a credit in the amount of {$9.00} ( the difference in reward values between the two purchases ). Not only where they unable to credit my account, but they were unable to offer an explanation, or allow me to escalate the issue/submit feedback. Very odd, and feeling somewhat slighted. I know it's an inconsequential amount of money, and I've already wasted more time on this than I care to admit, but I feel compelled to voice my complaint. Chase should be better than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with Credit Collection Services XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have ben gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/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: Student loan

THIS IS MY SECOND COMPLAINT FILED! I have never heard of this school and they are trying to make me pay for a loan that I didn't sign up for. I have never attended any of these classes. please show proof or remove from my report
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX  the amount of {$870.00} opened XX/XX/2014. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXXXXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXXXXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX, XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
Product: Checking or savings account

Hi back when covid 2020.everyone was getting unemployment .Its probably my fault I was suppose to show proof ofu identity and I did not have my id .so I finally got my birth certificate and went and got id by that time they froze my account and I've been trying to get back in ever since and just keep getting the run around .boa says XXXX  froze my account for me to contact them it's impossible to get some one to help you then I find out that only the bank can freeze or close an account. I haven't had any luck getting my funds that were still in there almost XXXX $ .I would like if someone could help me.ive been trying to get my funds for almost 3 years with no help from bank of America .. my account is not fraudulent I have my birth certificate & California id now and would like to know if there is anything I can do to get my funds back Thank you XXXX XXXX XXXX 
XXXX is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS BEEN REPORTING INNACURRATE BANKRUPTCY INFORMATION UNDER THE PUBLIC RECORDS SECTION OF MY CREDIT REPORT. YOU WILL FIND SUPPORTING DOCUMENTATION THAT PROVES EXPERIAN NEGLECTED TO INVESTIGATE THIS INFORMATION DESPITE SEVERAL REQUEST DATING BACK TO XX/XX/2016! 

EXPERIAN HAS BLATANTLY IGNORED MULTIPLE REQUEST TO REMOVE THIS BANKRUPTCY OFF MY REPORT, CLAIMING THE INFORMATION HAS BEEN VERIFIED BUT REFUSING TO PROVIDE ANY DETAILS ON THE METHOD OF VERIFICATION WHICH HAS BEEN REQUESTED NUMEROUS TIMES WITH NO RESPONSE. 

I EVEN PROVIDED EXPERIAN WITH A LETTER DIRECTLY FROM THE GEORGIA XXXX DISTRICT BANKRUPTCY COURT STATING THEY DON'T VERIFY ANY INFORMATION WITH 3RD PARTY REPORTING AGENCIES. THIS PROVES THAT EXPERIAN 'S CLAIM TO HAVE VERIFIED THE INFORMATION IS COMPLETELY IMPOSSIBLE BECAUSE THE COURT IS THE ONLY ONE WHO IS ABLE TO VERIFY THAT THE INFORMATION IS ACCURATE. EVEN AFTER BEING PROVIDED WITH THE LETTER, EXPERIAN RESPONDED AGAIN BY CLAIMING THEY VERIFIED THE INFORMATION, OBVIOUSLY INDICATING THAT NO INVESTIGATIONS ARE EVEN BEING PERFORMED AT ALL, EXPERIAN 'S JUST AUTOMATICALLY RESPONDING WITH THE SAME EXACT VERBIAGE FROM THE INITIAL DISPUTE IN 2016 WHICH IS COMPLETELY UNACCEPTABLE AND VIOLATES THE FCRA! 

I ALSO PROVIDED DOCUMENTS TO SHOW THAT EXPERIAN HAS A LONG HISTORY OF REPORTING INACCURATE PERSONAL IDENTIFIABLE INFORMATION ON MY CREDIT REPORT. FROM 2016 TO CURRENT YOU CAN SEE THAT EXPERIAN REPORTED SEVERAL VARIATIONS OF THE WRONG SOCIAL SECURITY NUMBER, UNKNOWN ADDRESSES, EVEN THE WRONG NAME ON MY REPORT. I FIND THIS ENTIRE SITUATION COMPLETELY UNACCEPTABLE AND DEFINITELY UNFAIR. I'M ON XXXX XXXX AND HAVE SERVED FOR 14 YEARS IN THE UNITED STATES XXXX BUT DUE TO THIS INACCURATE INFORMATION I AM UNABLE TO EVEN GET APPROVED TO PURCHASE A HOME FOR MY FAMILY USING THE VA LOAN. I AM FORCED TO LIVE APART FROM MY WIFE AND CHILDREN DUE TO MY LOCATION UNDER MILITARY ORDERS AS A RESULT. PLEASE HELP ME IN GETTING THIS INFORMATION CORRECTED. THANK YOU FOR YOUR CONSIDERATION.