23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Request for Reinvestigation of Debt Verification To Whom It May Concern, I am writing to formally request a reinvestigation of the debt that has been verified as accurate. I recently received notice that [ name of credit reporting agency or debt collector ] has verified the debt in question. However, I have reason to believe that the information provided is incomplete, inaccurate, or unverifiable. 

The debt in question : Creditor Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To properly address this matter, I request the following : 1. Detailed evidence of the investigation process that led to the verification of the debt.Show certified licenses to do business in Georgia, Show proof of OWNERSHIP under the Federal compliance policy. 


2. Copies of all documentation used to verify the debts accuracy, including original contracts, billing statements, and any other supporting records, certified documents 3. Confirmation of compliance with the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ) during the verification process. 



If the debt can not be substantiated with complete and accurate documentation, I respectfully request that it be removed from my credit report immediately, and all collection activities cease. 

Under the FCRA, you are required to complete your reinvestigation and respond to my request within 30 days. Please notify me in writing of the outcome and provide a revised report if applicable. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested that EQUIFAX provide me personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.
Product: Checking or savings account

I received a debit card in the mail from Wells Fargo for a checking account. I have never opened an account of any type with Wells Fargo. I called and found out that it was actually 3 accounts that were unauthorized, one personal checking account, a business checking account, and a business savings accounts. These accounts were opened online. They did close the accounts when I called. I asked if they require photo ID and they said that they do not for online accounts because it is too difficult to verify. All they need a phone number, address, and SSN. This seems extremely unacceptable in this day of ID theft and cyber crimes. When I requested all the personal information associated with the account, they said that I need to have a written request for the exact information that I was seeking, notarized by showing proper ID. Ironically, I have to show ID to get any information about the account in my name, but the person who set it up needed nothing!
Product: Debt collection

Less than minimum payments were being made to a closed account with XXXX. XX/XX/XXXX I sent a written letter in advance to XXXX explaining about a medical hardship ( husband XXXX XXXX ) and why the account was being closed ( could no longer afford it ). Before closing the account tried several times to reduce plan but could n't get a better deal. In closing plan I was charged termination fees for XXXX phones, XXXX tablets, and 2 months past due. I disputed it but it did n't get any attention. Fast forward to XXXX XXXX and I get a credit alert that Diversified Consultants reported on all XXXX credit bureaus that I owed them for XXXX. I never confirmed anything with this collection agency. If I did n't get the credit alert I would not have known it was there. XXXX has been taking my money before and after I closed the account and not once referred me to this collections agency. I contacted XXXX to speak with a rep but since the account was closed no one could help me. I went to XXXX to complain and I finally got a response. XXXX XXXX from head quarters contacted me and set up a plan for me to ( 1 ) return the products and ( 2 ) lower my bill. On our initial call I told her I did n't understand why they went to the collection company when I was making payments and sent them a hardship notice. She gave me the impression that once I cleared the debt ; in which I did, then she ( XXXX ) would send me something in writing paid in full and have the collection company to be removed. When I contacted her a week later ( have the email communication to confirm it ) to ask about my letter she was delayed in her response but before the account was paid she was quick to respond. She finally responded and said her collections department will get the letter to me in 7 - 10 days. then I responded again saying please be clear we both know this transaction was handled with the original creditor I 'm confused about this collection department. She responded back saying that Diversified will send me a letter stating paid. I informed her that I feel like she used me to get this payment to funnel the money to the collection agency without even stating this in our phone conversations nor our email communication. Now this collection agency has reported this on all three credit bureaus as if I paid them. That 's 7 years on my credit report. This is like a hustle and I feel swindled.
Product: Credit reporting or other personal consumer reports

This account is a fradulent account i have attached my FTC Report along with this. I was XXXX  when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset the credit bureaus have not responded back to me about my investigation. This Is serious. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and Still no word. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. do your job now!!!! I have attached my ID and medical record to show who i am!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XXXX I sent a complaint to the bureaus they are in direct violation of 15 U.S. Code 1681 a no opt out was given by creditor prior to giving out my personal information this is in violation of FCRA and opt out under U.S.C 6801-6805. 15 U.S. Code 1681b - Permissible purposes which i did not consent to credit reports are supposed to be 100 % Accurate and not misleading to creditors under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation of the FCRA. 

ACCOUNT EFFECTED WITH DERAGTORY MARKS OR CHARGE OFFS. Below ON CONSUMER REPORT. 

XXXX XXXX/ Other Loan Past due : {$2100.00} XXXX Chargeoff XXXX  XXXX  Credit Card Past due : {$2000.00} ChargeOff XXXX XXXX  XXXX  Past XXXX : {$1300.00} ChargeOff ATTCHED IS IRS XXXX XXXX PG XXXX UNDER INTRODUCTION STATES : Introduction This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. 
Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income.

Note. This publication generally refers to debt that is canceled, forgiven, or discharged.

for less than the full amount of the debt as canceled debt.

Charge offs are claimed as income for tax purposes and should not show up on credit reports.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681 b for permissible purpose and 1681 c for information contained in consumer reports they are also violating compliance procedures under this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 ; XXXX XXXX BALANCE : {$1100.00} ; XXXX  XXXX BALANCE : {$0.00} ; FXXXX XXXX BALANCE : {$0.00} XXXX XXXX  XXXX BALANCE : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$790.00} XXXX XXXX XXXX BALANCE : {$0.00} ; XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX BALANCE : {$320.00} ; XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX BALANCE : {$3700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as XXXXnformation that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX 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: Payday loan, title loan, personal loan, or advance loan

This is a loan that was made by one of the child companies. It is called service finance. 

They have been very unresponsive. 

I've been paying extra on this loan for quite some time now. Full year. 

The initial loan was for {$20000.00}. And the interest rate was 12.99 % per annum. 

So far, I have made 12 payments, totaling {$5100.00}. 

{$2000.00} has come off of the loan. 

That leaves a balance of {$17000.00}. 

That means that in the first 12 months, {$3000.00} was interest. 

That does not make any sense, because I have paid more than the minimum almost every single month. Sometimes I've made double payments. 

It is also an effective interest rate of 15.28 %. 

Something is not right here. 

12.99 % should have been {$2500.00} of interest in that year.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing, I've attempted to solve this problem 3 times. Congress states that credit reporting agencies have a grave duty to report complete and accurate information in regard to consumer credit reports. To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details. Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute. As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. 2. Attached is a copy of the National Data Breach notification report for your review. 3. Submitted a certified debt validation request, including proof of delivery CM # XXXX. I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX  I applied for a car loan with  XXXX   XXXX  which has gone bankrupt and the owner has been indicted on several accounts. Without me knowing was running my credit. I contacted Credco to see who they were and why they were listed on my credit report. I was told that they were used by the dealership. I was surprised because my credit was ran several times after my purchase unbeknownst to me. The dates are as follow :  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I need for all them to produce a signed contract which states that i gave them permission to run my credit so many times. I need the inquiries removed immediately Also  XXXX   XXXX   XXXX   XXXX  is who has my loan for the Auto I now own.     Thank you in advance
Product: Debt collection

I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

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

I have a XXXX XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX  years old I only have XXXX  child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16  years. I deserve a XXXX  break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX  years old and she is going to be XXXX this year.

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.
Product: Checking or savings account

While sending or receiving money was not given correct warnings. Was not verified if sending g to correct person or account.
Product: Debt collection

RECEIVABLES XXXX XXXX KEEPS TRYING TO COLLECT ON A DEBT THAT HAS BEEN 100 % COVERED UNDER A PATIENT ASSISTANCE PROGRAM THROUGH THE XXXX XXXX XXXX PROGRAM IN XXXX, TEXAS. THEY WILL NOT WORK WITH ME TO VERIFY THE ORIGINAL CREDITOR OR ANY OF THE ORIGINAL DOCUMENTS I SIGNED STATING OWNERSHIP OF THIS DEBT. THIS DEBT NEEDS TO BE REMOVED. 

1 - {$700.00} and 2 - {$140.00}
Product: Money transfer, virtual currency, or money service

I made a purchase with XXXX worth over {$350.00}. They hired XXXX to deliver the package but the package was stolen. XXXX failed to deliver the package as I had instructed. I immediately contacted XXXX to try and locate the package, and submitted several claims with pictures showing them that their driver had left the package at the property, but exposed it to the busy streets of New York and did not leave it with care. They denied all my claims indicating since it was delivered they were not responsible. I filed a police report and contacted XXXX and Afterpay. XXXX told me the same thing, that since they had confirmation of delivery they were no longer responsible. Both companies completely disregarded that this package was not delivered in a safe way for me to get it. All 3 Merchants denied any responsibility and told me I would have to pay {$350.00} for merchandise I never received. I refused. All of these merchants have failed me as a customer at some point in this transaction. XXXX sent this expensive package without the requirement of a signature upon delivery. Then XXXX left it on the upper level eventhough I wrote to leave it on the GROUND level where I knew it would be safer and were all my deliveries are left. Afterpay stated they had already paid XXXX, so they do not care if I got the package or not. They still wanted me to pay them. This negligence resulted in me having to call my bank to report the first installment paid to Afterpay as a bad charge. XXXX  XXXX XXXX charged the 1st installment payment back to Afterpay. To date, I am not out of any money for this stolen package just a lot of time and aggravation. However, Afterpay is continuing to email me about this. They are sending me messages about late fees. I have filed a police report and threaten to sue them if they do not take more responsibility in their role and leave me alone!! I will not pay for this ever! Do not contact me about this charge. I have told you repeatedly I never received the package.