23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX of this year, XXXX. My debit card was skimmed at a location unbeknownst to me, and I don't know the exact location where it happened. The skimming device was able to capture all the info needed and then they proceeded to withdrawal {$180.00} from an ATM machine located in a city not too far from me. They withdrew this amount twice, simultaneously at XXXXXXXX XXXX. on XX/XX/XXXX. My debit card is issued through PayPal, and I have contacted them numerous times via message center and phone call. They have stated since my PIN for my debit card was used that I must have done this transaction. I informed them it was not me, that it was unauthorized. I was then told that in order for PayPal to reimburse me the amount I needed to file a police report to prove it wasn't me or whatever proving they needed from that. I filed a police report, gave them all the information and then they proceeded once again to suggest that there's no way this could have happened, it must have been me and now on top of the police report they want me to go into the business where the ATM machine is located and ask for video recording from their security cameras. So then I informed them obviously that I am not a law entity and I have no right to do so but I will try, and I did. As I suspected they weren't going to just give me any kind of video so on and so forth and PayPal has just pretty much assumed it had to have been me, basically accusing me when it wasn't me. All PayPal has done is just told me that rest assured that they will look into the problem and investigate it and yet they have done no such thing nor have they tried to reach out again regarding any of it I've had to do every bit of leg work, investigation for this. And then they deny or act as if there's no such thing as card skimming and they have no clue what that's all about. I have all of my chat history with PayPal about this, my police report so on and so forth. Every bit of evidence proving showing that it was not me and that in fact indeed was somebody else who had skimmed my card
Product: Credit reporting, credit repair services, or other personal consumer reports

I made multiple attempts to have the credit agencies remove the bankruptcy from my credit report as it is reporting in error. Under 609 and 611 of the FCRA they failed to provide me with the process of which they obtained this information from. They provided the furnisher, however, upon reaching out to the furnisher XXXX, they stated that did not have record of this information and they also confirmed that my file is suppressed with them therefore preventing them from releasing this information. Thus exposing the credit bureaus failure of actually verifying this information. My past two attempts to have the bureaus remove this I have been ignored. As of today, XX/XX/2020, I spoke to an agent named XXXX who claimed that this information needs to be disputed directly with the court which is completely FALSE. I have provided here evidence to support my dispute from both the furniture and federal court.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account that was not reporting accurately. I had a 60-day late payment report on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to the complaint on the following dates ( XX/XX/year> ). I am requesting that you investigate and provide verifiable proof with records showing that I had 60 days late payments. If this information can not be verified, I demand those payments be updated to paid on time immediately. 

Additionally, in a prior complaint submitted to the CFPB on XX/XX/year>, with the CFPB ( # XXXX ) about this same matter, Equifax affirmed to the CFPB on XX/XX/year>, that this account with XXXX was reporting as such : XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED WITH NO LATE PAYMENTS. Both documents showing these discrepancies are attached. 

Thank you for your understanding and prompt action.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for reporting an unauthorized collection account on my credit report. I hereby declare that I do not, and have never consented to any contract purportedly established between myself and XXXX XXXX XXXX XXXX XXXX as there exists no signed contract between us in accordance with UCC 2-201. 

UCC 2-201 states that a contract for the sale of goods for {$500.00} or more is not enforceable unless there is a signed writing by the party against whom enforcement is sought. As no such contract exists between myself and XXXX XXXX XXXX XXXX XXXX, I assert that I am not bound by any purported contractual obligations. 

Additionally, the reporting of this account constitutes aggravated identity theft under 18 USC 1028A. Knowingly transferring, possessing, or using someone's means of identification without lawful authority is a felony punishable by up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to this alleged obligation. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. 

Furthermore, I hold the credit reporting agency accountable for failing to investigate the accuracy of this account prior to allowing it to be falsely placed on my report. This failure to verify the legitimacy of the account violates the FCRA 's requirement for maximum possible accuracy in credit reporting.
Product: Credit reporting or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE INQUIRIES 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 FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX XXXX XXXX ( actual location listed below ) on XX/XX/XXXXto purchase a vehicle. At the time of negotiations, the dealership was informed I already had my credit ran by my bank XXXX on XX/XX/XXXX and had pre-approval for the amount I was looking to finance so there was no need to run my credit again. During the negotiations, the dealership advised they had a partnership with my bank and asked for permission to confirm credit approval with bank which I allowed but advised they did NOT have permission to shop my credit around to seek a better deal. All parties agreed and we completed the deal. Later I started getting letters from multiple banks/finance companies advising they checked my credit for this deal and I see on my credit report multiple credit inquiries have been added. This is definitely not what we agreed on during the deal and I'm disputing these inquiries. I went back up to the dealership which advised me that all I would need to do is dispute these inquiries with the credit agencies and they would not fight that complaint.

My original approval was given by XXXX on XX/XX/XXXX but the dealership was only allowed to partner with XXXX  since I already had pre-approval with XXXX  as of XX/XX/XXXXand they were informed.

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because I was victim of the Equifax data breach I want these items Deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to produce any legal evidence or verification for the alleged debts, and now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Product: Prepaid card

My XXXX account got hacked into, the hacker purchased a {$540.00} graphic card using the debit card on file there! Once shipped, the hacker changed the shipping address to go to them! 

I did not authorize this purchase, I did not authorize the hacker to use my debit card!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Debt collection

On my credit report I notice there was an unverifiable debt in collections. I sent a validation of debt letter to the debt collector that's on file ( Afni ) and mailed them a validation of debt letter. They reported with a computerized response letter without my wet signature stating I owe XXXX XXXX XXXX money. I don't owe the debt collector XXXX Afin XXXX nor XXXX XXXX XXXX any money. I sent them a cease and desist letter, along with a affidavit of truth informing them to delete their trade line from my credit report with all 3 credit bureaus. 

Their contact info is listed below Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

This communication serves as a formal dispute and notice of intent to sue for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), 15 USC 1681n, and 15 USC 1681a.

On October 10th, I submitted an initial dispute regarding identity theft and demanded the deletion of fraudulent items from my file. These items are not mine and were added without my authorization. In response, Early Warning Services ( EWS ) confirmed on XX/XX/XXXX that they placed an " unauthorized identity theft '' block, a measure I did not request or approve. Instead, I explicitly required the deletion of these fraudulent accounts. 

I reiterated on XX/XX/XXXX that my demand was to delete these items, not to implement an " unauthorized block. '' On XX/XX/XXXX, EWS responded, concluding that the disputed items were supposedly " accurate. '' This determination is entirely erroneous, given that no proper verification procedures were followed. I then requested on XX/XX/XXXX the following : The names of the man or woman is responsible for verifying the disputed information. 
All documentation and all records and methods of verification supporting the alleged accuracy of these items. As well as Full details of all procedures, including dates, times, and names of individuals involved, to validate that EWS performed a genuine investigation. 

EWS responded on XX/XX/XXXX admitting that they do not have access to the requested documentation, procedures, interviews or any verifiable information to support the alleged accuracy of these items. EWS 's failure to provide these critical records constitutes a direct and blatant violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates full disclosure of all pertinent details if the information can not be verified. By failing to supply this information, EWS has demonstrated that no legitimate investigation was conducted. EWS even said in their respond that they lack access to the necessary documentation, it raises questions about the validity of their investigation. Without documentation, they can not thoroughly investigate the disputed information, which suggests that the reinvestigation process was not conducted and therefore needs to be deleted. 

On XX/XX/XXXX, I demanded the immediate deletion of these fraudulent items due to EWSs inability to verify or provide accurate documentation as required by law. This failure is an intentional act of willful noncompliance under 15 USC 1681n and 15 USC 1681a. EWSs refusal to remove these unverified and harmful accounts from my file is reckless and negligent, with detrimental impacts on my consumer report. 

On XX/XX/XXXX, I was notified that EWS has reinserted these disputed, fraudulent accounts without providing any prior notice or certification which i was supposed receive 5 days before XX/XX/XXXX this is another clear violation of 15 USC 1681i ( a ) ( 5 ) ( B ). This unauthorized reinsertion is a severe breach of FCRA, underscoring EWSs willful disregard for compliance. This is misleading and harmful
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has willfully failed to comply and block the reporting of the items i identified as a result of identity theft. Congress states they have FOUR ( 4 ) business days to do block and delete information as I provided everything needed to do so. CFPB Complaint # XXXX as reference.
Product: Credit reporting or other personal consumer reports

Sent letter saying that I was a victim of a data breach XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account back on XX/XX/XXXX @ XXXX. I spoke to a XXXX XXXX who recieved my settlement payment in the amount of {$190.00}. He then told me it would take 3 to 7 business days to recieve a settlement in full email. The issue that I am having is that the status was updated in XX/XX/XXXX with XXXX  with the new information. XXXX still shows the account as open and it is also being updated every month. The last update was on XX/XX/XXXX. I have sent numerous requests to XXXX   and have not recieved any response to my letters regarding this fact. I worked hand in hand with a HUD approved agency to remedy this issue.
Product: Credit reporting or other personal consumer reports

I have some credit inquiries made to which I never gave my authorization to make them, I am unaware of these requests and there are even accounts that are already closed, I describe them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX 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 or other personal consumer reports

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report.

1974 PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information 1. Notice requirements ; The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information 1. Notice to consumer is required 1. In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices. 
Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code XXXX. 
These items are as follows
Product: Debt collection

I have been in dispute with this company for several months. They have continued to ignore my requests for information regarding this account. 

They have contacted me even after I requested them to stop if they were unable to provide the requested information. 

I just noticed they are reporting this collection while in dispute to the credit agencies. The collection while in dispute is showing and negatively effecting my credit score.

I have asked them to remove the reporting, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.