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

XXXX XXXX XXXX  amount : {$850.00} opened : XX/XX/year> I called this company, they did not respond. I sent a debt validation again no respond.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with XXXX, XXXX, and Equifax. This a

ccount was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft. I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information. As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed. Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents. Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history. Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit. Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt. I appreciate your immediate attention to this matter and expect a response within 30 days. Please send all correspondence and proof related to this dispute to the above address. Thank you for your cooperation. 

Sincerely, XXXX
Product: Debt collection

On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account HUNTER WARFIELD via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 
On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with HUNTER WARFIELD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing HUNTER WARFIELD the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that HUNTER WARFIELD stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt that i do not own them... I not recall this company and had never made any business with them...
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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. 


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

Please be advised this is my SECOND FORMAl 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 617 ) 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 removed immediately. 

XXXX XXXX XXXX  Account XXXX. XXXX XXXX XXXX in XXXX of 2021. The payment was never late. It also is listed in a period the was protected by CARES Act which is a violation of federal law. Which will reported to the FTC if the late payment is not removed immediately. 
Provide physical verification from creditor or delete XXXX. XXXX XXXX Account XXXX XXXXChargeoff/Collection-Account not mine Provide physical verification from creditor or delete Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

US BANK looked into XXXX XXXX XXXX  taking money from our business account credit card- provided a provisional credit and then closed the investigation over me not contacting them fast enough. I appealed and spoke to 'higher ups ' and they still denied to help with the fraud stating it was XXXX who puts the time frame. I had to confirm services were not being rendered. I had to confirm the last date services were rendered to determine when charges should have stopped then reach out to XXXX XXXX XXXX. I needed time to finally get in touch over the phone and then email communications with XXXX XXXX XXXX XXXX and wait for him to not send a refund. XXXX said on XXXX separate dates he put a refund check in the mail. Coming from XXXX XXXX XXXX After the second time- I knew I needed to contact my bank over it being a legit fraud case. It is around {$30000.00}. They did the provisional credit- then reversed it when they said they were closing the investigation and on the same letter US Bank then threatens that if we do not make the payments due on our account they will report us to XXXX reporting agencies. If there is a time limit they knew from the beginning of me reporting this case and they should have never issued the credits as all that did was put the company in a bind and have our XXXX asking a lot of questions. XXXX XXXX XXXX XXXXas blocked us from communication and social media but is still active. I also now know it's XXXX and his Mom and the XXXX would not respond to any correspondence. Now XXXX has changed his company to his name and uses a XXXX XXXX as his picture and not the cartoon picture of him that he used with XXXX XXXX XXXX  but XXXX XXXX XXXX is linked to it. It also no longer says XXXX but now XXXX, XXXX XXXX employees. He is getting away with scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I would like to dispute the following accounts : 1. XXXX XXXX Bankruptcy XXXX 2. XXXX XXXX Bankruptcy XXXX XXXX. Bankruptcy XXXX XXXX XXXX XXXX. Bankruptcy XXXX XXXX XXXX XXXX. Bankruptcy : Dismissed XXXX XXXX XXXX. Bankruptcy : Dismissed XXXX XXXX XXXX. XXXXXXXX XXXX XXXX late payment account XXXX. XXXXXXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX XXXX charge off account XXXX. XXXX XXXX XXXX XXXX XXXX charge off account XXXX. XXXX XXXX XXXX XXXX charge off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been incorrectly reported as XXXX XXXX instead of XXXX XXXX, which is a violation of the FCRA. 
The bankruptcy accounts have also been reported as dismissed, which is inaccurate as they were successfully discharged. This is a violation of the FCRA.

The late payment account for XXXXXXXX XXXX XXXX is inaccurate and should be removed from my credit report. 
The charge-off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX contain errors and should be investigated for inaccuracies. These items may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.

I am requesting that these items be removed from my credit report or corrected to reflect the accurate information. Please provide me with written documentation of your investigation and any actions taken to resolve these disputes.

Thank you for your prompt attention to this matter. 

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

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit card

I performed a balance transfer onto my Bestbuy Citi Bank credit card. It was to be 0 % interest through XXXX of 2024. I have been making regular payments and large payments to ensure the balance is paid down. When making my most recent payment, I noticed that I was being charged a XXXX XXXX  monthly fee for some debt protection fee. I have never authorized a debt protection fee to be charged to my account, and I feel like I have been unfairly charged for something unnecessary and something I would have never agreed to. I looked back, and they charged me the same {$90.00} for the last five months, so I have racked up {$450.00} in protection fees that were never authorized. Why would something like this be hidden and charged to a cardholder without prior knowledge and something indicating that it would be required? I have contacted Bestbuy card services, which I believe is Citi Bank, and asked them to cancel and remove the charges or dispute them, and they told me they could not assist me. The lady just referred me back to the phone number provided on the line associated with the charge. I informed her that the phone number directed me to her and that if I called back, I would be directed to the same department. She apologized for being unable to assist me. Still, she said I needed to contact the XXXX XXXX company to resolve the issue, but there was no way to contact a company with no information on the bill. The phone number takes me back to Citi Bank/Best Buy . How do I go about removing these fraudulent charges from my account and ensuring myself and others don't become victims of fees and charges that they are not knowingly authorizing?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, EQUIFAX requests after requests to remove security freeze and Fraud Alerts. I have even sent proof of address and Utility bill as you requested but you are stalling the process deliberately hurting my livelihood as well as the one of my family as it relates to us not having access to descent credit or a home to live in.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bought earbuds on XX/XX/18. I waited about 3 months and contacted to the merchant. The merchant said that they are going to send the product asap. But another 2 months later, i still did not get the product. I called the Bank of America and report this transaction. and the associate helped me to dispute the transaction. After a month later, I got letter the Bank of America could not dispute this transaction due to their timeframe.

But I still did not get the refund or the product.
Product: Credit card

This is not my credit card ; I am just a cosigner. The account is open, but my credit report shows it as closed. Payments are overdue, with {$100.00} in scheduled payments. I am handling this situation, but the debt is not mine. 

1. He's been making payments in which you didn't know about causing your credit score to decrease. 

XXXX. You have talked to your family member to bring the account back to current status with a posible pay off. This Home Depot Card was originally owned by my father-in-law and the account remains open.

3. You will be monitoring the account going forward. And send us a statement with account balances as he's making these payments
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are still on my report and needs to be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts are affecting me from purchasing a home, car and providing for my family at full potential. Please have these accounts removed immediately. Thank you. 

XXXX XXXX XXXX
Product: Debt collection

I have a loan thru XXXX XXXX in XXXX, MO. In XXXX, I notified the office that I had retained an attorney for bankruptcy. I have received 3 phone calls within the past 3 business days ( XX/XX/18, XX/XX/18 and XX/XX/18 ). I have continued to ask they contact my attorney ; however, they are not and are calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX  verifies account. CLOSED STATUS AND DATES ARE IGNORED.. 
Some of these accounts were closed by me, have a XXXX  balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future. 
1. XXXX XXXX Opened:XXXX, closed by me, with a XXXX  balance XX/XX/XXXX. Eight years since I closed it.

2. Neiman Marcus/capital one Closed by me, in XXXX, 9 years ago, with XXXX balance. 
3. The same situation for Saks Fifth Avenue/Capital One XXXX. 
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago. 
5. Lord and Taylor, opened and never used. Forgot I had it. Closed account due to inactivity. 
6.Capital One Over 7 years. Closed and paid in full. 
. 
THIS ACCT NO. APPEARS TWICE on some reports. 
7. Capital one Charged off, written off and now reports past due. Seven year deadline has past on this Account.

8. XXXX XXXX : Cllosed. 
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in two separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping.

The list goes on and XXXX  fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : Neimans, Saks, etc., and can not help.

9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple Capital One cards, and XXXX XXXX cards fall. Count II : over seven years. 

10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late. 
XXXX XXXX : over 7 years of Reporting. 

Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX  and XXXX.

XXXX is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this. 
I can't build credit because of this. Damages are accruing. 
Please review and require immediate correction.
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 demand to be deleted immediately XXXX  XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/XXXX I fell victim to an online scam. I did not know that it was free to apply for an EIN number with the IRS so I filed it on a website that appeared to be the IRS and was charged a {$240.00} filing fee. After the fact, I learned that its free to file on the IRS website so I contacted them on XX/XX/XXXX and asked for a refund. I was offered {$200.00} of my money back and I said no I want a full refund, she said she would talk to her manager. After talking to her, she then sent me an email saying she would forward my refund request over to the manager. We got an email and a text message later that night stating that I was refunded the full {$240.00}. I have the email from the business stating that I was refunded for my order. Four days after receiving the refund on XX/XX/XXXX we get an email to our business email address from Caine and Weiner collections agency in Texas. The business who frauded me out the {$240.00} ( XXXX XXXX XXXX XXXX ) is now coming after us for the money they refunded plus fees to the tune of {$370.00}. This original business never once contacted us to get the money back that was settled, they went straight to a collections agency for a debt not even owed. I have a screenshot of my bank statement as the charge was pending on my account. They ended up canceling the charge while pending so it dropped off my bank charges, but I have the screenshot with proof that it was originally paid and the proof via email from them that it was willingly refunded. The collections agency is now coming after us over a debt that doesnt even exist. I am stopping all contacts after sending them an email demanding a physical copy of the debt that is owed and proof that they are a legitimate collections agency. Once I get that letter I will send back all of my proof that this is a debt not owed.