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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Incorrect Collection Account Reporting XXXX XXXX XXXX  Account Number : XXXX Collection Account Reporting on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding a collection account reported on my credit file that does not belong to me. Despite my attempts to resolve this matter with the credit reporting agencies, the account continues to appear on my credit report, and my dispute has not been properly investigated or resolved. 

Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Balance : {$3100.00} I have reviewed the information associated with this account and discovered several discrepancies that clearly show this account is not mine. First, the Social Security Number ( SSN ) reported with this account is not my SSN. This is a critical issue, as it indicates that the account belongs to someone else entirely. Additionally, I have never lived at the address listed in connection with this collection account. 

I have attempted to resolve this issue with the credit bureaus ( XXXX, XXXX, and TransUnion ), but despite my dispute, the credit bureaus have failed to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have requested that they verify the information and remove the incorrect entry from my credit report, but they have either ignored or inadequately addressed my requests. 

As the account is clearly a result of incorrect reporting, it is causing significant harm to my credit score and financial standing. This is a violation of my consumer rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to : Investigate the situation thoroughly, including the Social Security number mismatch and the incorrect address associated with the collection account. 
Ensure that the credit bureaus properly remove this collection account from my credit report as it does not belong to me. 
Hold the credit bureaus and XXXX XXXX XXXX accountable for failing to conduct a proper investigation and for continuing to report this erroneous information. 
I have already taken the necessary steps to dispute the account with the credit bureaus, but my dispute has not been resolved. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please let me know if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX  You applied for a home loan on XX/XX/XXXX XXXX XXXX  You applied for a home loan on XX/XX/XXXX XXXX XXXX You applied for a home loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a home loan on XX/XX/XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Oregon XXXX XXXX XXXX {$1100.00} reported to collection agency ( Outsource Receivables ) on XX/XX/XXXX This is for " service '' on XX/XX/XXXX. I have no idea what type of service or account that this is. 

XXXX account opened on XX/XX/XXXX in my name. Now {$1500.00} is due. 
Both of these companies have reported the outstanding debts to credit agencies. 

There have been 12 attempts to open credit acounts in my name since the beginning of the year. 

My credit score has dropped approximately XXXX points from XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, THE XXXX XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX I reached out due to account being frozen. They would not give me any reason why. I provided by id and bank statements and still they did not give me any reason or fair treatment. I looked online and seen similar cases. I explained I have years of history, a verified account, and 500+ payment goal. They didnt care and provided no details. Hurting my business. They emailed me saying account is frozen they wont give me a reason and literally would not reply to my emails anymore once that decision is made. Horrible.
Product: Credit reporting, credit repair services, 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. Have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The address of XXXX XXXX XXXX XXXX has no affiliation within myself I also have never been employed by a company called XXXX and this is also reporting inaccurate. 




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 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 my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Transunion has ignored my disputes The acounts are as follows : XXXX : XXXX XXXX XXXX : : XXXX XXXX : XXXX XXXX XXXX : XXXX SXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to buy a washer and dryer at XXXX XXXX in XXXX Arizona on XX/XX/2018 and the store said that they could not get the information from Experian.We tried many times calling to XXXX with no help.The reference number is XXXX and the report code is # XXXX.XXXX XXXX number is XXXX.This is not the first time that this has happened and was very embarrassing.
Product: Mortgage

We had our mortgage automatically payment withdrawal through XXXX  XXXX for over three years, XXXX XXXX  had our email, phone number and property address. We received a letter from another bank in XX/XX/2020 that our mortgage hasnt been paid for 4 months, we called immediately and paid all the missed payments and late fees even though we never received a single email nor a phone call nor a letter till the account was passed due for four months and we had no idea that XXXX  XXXX  sold our account to Arvest central mortgage company. Now Arvest central mortgage company investigated the issue and sent us a letter saying that they will repair all the negative credit reporting they caused, however, they added more fees to the account related to the missed four payments that they never sent us a bill for. We asked over and over to have the fees removed and the declined to remove them, we would like to get a refund of all the late fees paid and we hope to have the account transfer to another bank in the near future. Thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I remitted notice to the consumer reporting agencies TRANSUNION XXXX XXXX XXXX and the individual company 's furnishing our account details as follows : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Remove the transactions and experiences between me and your institution from all consumer reports in compliance with 15 USC 1681a promptly. The Privacy Act of 1974 prohibits the current malpractice conducted by consumer reporting agencies regarding my personal matters.
Product: Checking or savings account

An account was opened with my name address and social security number. I did not open this account. TD bank froze the account and told me to report tht my social security number is compromised.
Product: Debt collection

XXXX XXXX CLAIMS : Docket XXXX. 
In the year XXXX there was an eligibility error on the employer part the original debtor office was contacted by XXXX XXXX that claims are being reprocessed. No court date documents sent. I have been checking the website for any activity under notices. I received a failure to appear judgement which is totally incorrect NAIR & LEVIN returned date was XXXX/XXXX/XXXX, however they have been contacted by superiors at XXXX insurance that the claim was reprocessed. XXXX made the negotiable to the participating provider but then 5 years latter the money was recoupe due to an eligibility error. That error has now been corrected. Nair and Levin, ( XXXX, ct ) just jumped there guns when they were informed by XXXX once the archived information for XXXX claims recvd and eligibility updated the claims will be reprocess, and now they have sent me the entire bill which is incorrect saying I have a failure to appear when I recvd no such document. They took among themselves when the insurance company has been speaking with them. Docket XXXX. I have the XXXX when claims processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with UNITED AUTO ACCEPTAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and UNITED AUTO ACCEPTAN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120 days or more than four payments past due since XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX ( Account XXXX XXXX )
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXXXXXX  to XX/XX/XXXX XXXX XXXX It is reported that I have 4 hard inquiries due to applying for a Capital One bank USA and I have no knowledge on that. I tried to dispute these inquiries due to fraud but no action was taken.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LA XXXX XX/XX/year> **Resurgent Capital Services** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To XXXX It XXXX Concern : I am writing to formally address the collection activity concerning an account allegedly associated with my name. Please take this letter as a request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), as well as other applicable federal laws.

It has come to my attention that your company is reporting this account on my credit report despite its status being listed as " closed. '' Furthermore, you continue to attempt to collect funds, which raises significant legal concerns. I have been informed of my rights under the following statutes : 1. **15 U.S.C. 6802
( XXXX XXXX  ) ** : Prohibits financial institutions from disclosing private information to third parties without proper consent. I will not provide my Social Security number or any sensitive personal information. You are expected to validate the account using the information already in your possession. 

2. **15 U.S.C. 1681b ( Fair Credit Reporting Act ) ** : Regulates permissible purposes for accessing and reporting credit information. If you are unable to locate the account or validate this debt, you are legally required to cease collection activity and request the removal of this account from all credit reporting agencies.

3. **18 U.S.C . 1028A ( Identity Theft and Assumption Deterrence Act ) ** : Emphasizes penalties for identity theft and misuse of personal information. Any attempts to collect a debt without proper validation may be viewed as a potential violation of this statute.

Under the FDCPA, I demand the following : - A detailed validation of the debt, including the original creditor, date of default, itemized accounting, and proof that this debt is legitimately owed by me. 
- An immediate cessation of all collection activities until proper validation has been provided. 
- Removal of this account from my credit report if you are unable to validate the debt or locate the account without further personal information. 

I further reiterate that I will not provide my Social Security number or any additional personal identifiers. You are required by law to investigate and validate this account based on the information you already possess.

Failure to comply with these requests may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as legal action.

I expect a written response within 30 days of receipt of this letter. Please send all correspondence to my address listed above. 

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

In accordance with the fair credit act account # XXXX XXXX AUTO has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit card

Case Number : XXXX To Whom It May Concern at Capital One Customer Care : This correspondence is to formally address and elucidate the sequence of events and communications between myself and XXXX XXXX ( " the Merchant '' ), culminating in a dispute that necessitates your immediate and diligent attention. Despite the Merchant 's advertised non-refundable policy, the facts of the matter substantiate my entitlement to a refund, a position initially recognized and subsequently reneged by the Merchant. The timeline and pertinent details are as follows : XXXX. XX/XX/XXXX : Purchase of flight services from the Merchant ( hereinafter referred to as " Exhibit A '' ). 
XXXX. XX/XX/XXXX : Engagement with the Merchant 's customer service, wherein I requested an exception to the non-refundable policy due to extenuating circumstances. During this interaction, the Merchant acceded to my request, granting an exception to their policy. 
XXXX. XX/XX/XXXX : After the aforementioned agreement, the Merchant transmitted a confirmation of the refund via email ( hereinafter referred to as " Exhibit B '' ), effectively acknowledging the exception. 
XXXX. XX/XX/XXXX : The Merchant issued a voicemail communication, erroneously retracting the previously confirmed refund in Exhibit B, under the pretense of an internal error. This retraction came post my procurement of alternative flight arrangements based on the assurance of said refund. 
XXXX. XX/XX/XXXX- XX/XX/XXXX : Persistent endeavors to engage in dialogue with the Merchant were undertaken, emphasizing the explicit confirmation of an exception to the non-refundable policy and the subsequent issuance of a refund confirmation. 
XXXX. XX/XX/XXXX : After exhaustive attempts to amicably resolve this matter directly with the Merchant proved futile, I was compelled to initiate a dispute through Capital One. 

Exhibit B Clarification : Notwithstanding the reference to the last four digits of the credit card number ( XXXX ) within the cancellation policy, it is pertinent to note that this number pertains to my virtual card, which remains a legitimate extension of my account. Verification of this detail is encouraged for accuracy. 

The documented evidence unequivocally demonstrates the Merchant 's commitment to issue a refund, a commitment unilaterally withdrawn without just cause. The lack of resolution to this matter not only contravenes the principles of equitable treatment and good faith but also places undue burden on me as a consumer. 

It is my fervent hope to resolve this dispute without resorting to legal recourse. However, should this matter not be satisfactorily resolved, I am prepared to consider all necessary legal remedies available to me. I kindly request a thorough review of the documented evidence and a prompt resolution to this dispute. 

Your prompt attention to this matter is appreciated. Please advise on any further information required to expedite a resolution. 

Sincerely, XXXX XXXX