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

To whom this may concern I have not given written consent to furnish the multiple fraudulent debt to my report according 15 usc 1581 b. I have not given explicit written consent to furnish a debt collection from resurgent that I have no knowledge of and a medical debt FROM XXXX XXXX which is a violation of HIPAA, this is a notice of arbitration. This is my final request on equitable subrogation, with a third party as witness a charge off under XXXX  XXXX MEANS the account is discharged which is XXXX $ and how can a closed charge off still be open that is fraud. 18 usc 35 According to law willingly furnishing false information is fraud! Date of delinquency and date of account can not be interchanged, if you are a dollar off of the correct amount that is misinformation.15 usc 1679 ( c ) The law requires companies to delete disputed unverified debt, I have not received any documentation on HOW they validated these debts. I am requesting a full itemized list the true bill and the original contract so that I can understand the charges and how they came to this point, just because a company has my name and information does not mean the information to be valid! I need tangible evidence other than them saying " we have contacted the company and verified the information ''. I have not been provided any documentation to validate any of these fraudulent debts the original contract, a written form of consent of me given permission to purchase my debt and my private information like my name which is under common law copyright, my birthdate and my ssn, violating the privacy act. You can not purchase my name social and birthdate that is the only way they would be able to validate the debt which is fraud! I want every company held responsible that has violated my rights. I have tried to handle this through disputes but I am left no choice. I will be sending a bill of particulars for each infraction to XXXX and trabsunions credit report looks nothing like my XXXX! ALL CREDIT REPORTS SHOULD REFLECT THE OTHER, another infraction regardless what your terms of service may say it is law that my credit reports reflect the same information which means you have furnished false information deliberately after disputing the information and not providing any proof of claim but to continuously furnish a disputed claim. 15 usc 1681 ( i ) IT IS THE LAW YOU CAN NOT UPDATE FALSE INFORMATION! ANOTHER VIOLATION. I AM NOT ASKING TO UPDATE ANY INFORMATION IM ASKING YOU TO FOLLOW THE LAW AND REMOVE THE FALSE AND DEROGATORY REMARK! THIS IS SUBROGATION I AM REQUESTING ALL FALSE INFORMATION I HAVE DISPUTED IN THE PAST 3-4 MONTHS BE REINVESTIGATED AND REMOVED EXPEDITIOUSLY, I WILL BE FORCED TO MOVE FORWARD WITH Arbitration / MEDIATION AND LISTING EVERY VIOLATION YOU HAVE Accumulated, FURNISHING A CONSUMERS DEBT WITHOUT PROPERLY VALIDATING THE INFORMATION VIOLATION OF fcra, FDCPA, GRAM LEECH BLILEY ACT, privacy act, CPA, DOCTRINE OF SILENCE, AND HIPAA. I NEED A COPY OF MY up to date CREDIT REPORT AND A COPY OF ANY RELEVANT INFORMATION THAT WAS PROCURED TO verify/VALIDATE ANY false INFORMATION DURING these DISPUTES.
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurate on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A collection was reported XXXX the XXXX in regards XXXX XXXX XXXX {$10000.00} I immediately contacted the creditor and notified them of fraud. I never had a mortgage account or loan with this company and the creditor said that it could be due to inaccurate social and in order for him to remove it I would have to pay {$200.00} to dispute with their company. This debt is not mine and I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that I am being ignored in my requests to have outdated information removed from my credit report and I am taken aback by this unprofessionalism. After I wrote Transunion a dispute letter in XX/XX/XXXX to their offices in Pennsylvania I later sent a dispute via this secure website, please see dispute 's # XXXX and XXXX. I felt as though their responses were very generic and that was frustrating for me. I was told in both emails that they would get back to me and they have not. I can not imagine how the disputes were closed without any valid information in it and another was marked as a duplicate. Who is allowing them to get away with this? Is this a legal and proper response? The accounts still have no remarks of disputes and the status ' have not changed since XX/XX/2012, that tells me no investigation or confirmation of information was obtained. I was forced to provide my feedback both times discussing how Transunion handled my disputes and I remarked that they did not address my issues or conduct and investigation 's with the companies or included inscriptions and procedures. Which is why my 2 feedbacks mentioned that this agency did not do what they said they would and I also gave my feedback that I do not understand their response or their results because I see no change.

I am referencing XXXX/XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) by CAPITAL ONE NATIONAL ASSOC On XX/XX/XXXX, I discovered that CAPITAL ONE NATIONAL ASSOC had conducted an unauthorized " account review inquiry '' on my credit report without my consent or knowledge. 

I contacted the bank and requested an explanation for the inquiry, but they were unable to provide a satisfactory reason for conducting the inquiry. I also requested that they remove the inquiry from my credit report, but they refused to do so. 

I believe that the bank 's actions are in violation of the FCRA, which requires that creditors obtain the consumer 's consent before conducting any type of inquiry on their credit report. CAPITAL ONE NATIONAL ASSOC unauthorized inquiry has caused me undue harm and has the potential to negatively impact my credit score and creditworthiness.

I respectfully request that the CFPB investigate this matter and take appropriate action against CAPITAL ONE NATIONAL ASSOC. I also request that the bank be required to remove the unauthorized inquiry from my credit report and provide me with written confirmation that the inquiry has been deleted. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 payment there was scheduled payment that was not drafted due to kohls changes on online website. This occur when changing checking account. Customer had money to pay to be draft form new account. Representative told customer there were issues with website. Customer has never been 30 day late. Please look at prior payment history.
Product: Credit reporting or other personal consumer reports

My personal information was involved in multiple data breaches and I contacting credit agencies to dispute and update information. Unfortunately that information is still inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec.609 credit agencies are not validating my credit account they are simply verifying my information.
Product: Credit reporting or other personal consumer reports

I am truly shocked and disheartened. As a law-abiding citizen, its deeply upsetting to have my rights as a consumer disregarded. My credit report contains items resulting from fraudulent activity, from which I received no benefit. Despite already reporting this issue to the Federal Trade Commission, these items remain on my report, causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Chexsystems to remove fraudulent inquiries from my report for accounts I did not open. Each time I submit a dispute, it comes back verified despite me stating that it was the result of Identity Theft. Of course, if SOMEONE else applied for accounts in my name the inquiry did indeed occur, but not by me. 

I have submitted my reports stating that I did not myself apply for these accounts and submitted an FTC report, they are stonewalling me. They lose my affidavit, but then tell me to get it signed by a police XXXX. The first time I called, it was said to get the FTC report, and that a police signature was not needed. Each time I try, it's something new to stall the removal of inquiries I did not make. Each time I get different hoops to jump through that the previous person did not suggest or make clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

*******LICENSE AND FTC ID THEFT REPORT ATTACHED TO THIS REPORT FOR YOUR REVIEW******** INQUIRIES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I had applied for a checking account at XXXX XXXX XXXX and was decline because they said I was in Chex System. Therefore, I reached out to Chex Systems and they informed me that XXXX XXXX  XXXX had reported me for account abuse for two accounts one had a balance of {$84.00} and the other account was for {$140.00} which clearly I do not owe. I reached out XXXX XXXX and no one has no information they can provide. Please assist! I want this removed off of Chex Systems that way i can deposit my checks so I can take care of my family.
Product: Debt collection

This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with Scott Carruther 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name The Law Office of XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting false information on two accounts. 

XXXX ) XXXX - 2 late payments in XXXXXXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XXXX - 1 late payment XX/XX/XXXX They are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions.

Reporting inaccurate information on child support this case has been closed and I was never late. 

XXXX ) XXXXXXXX XXXX I have had adverse actions against me do to false information I am also still suffering from the data breach of each company listed in this complaint.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!
Product: Debt collection

Capital One failed to notify me properly within illegal allotted time after the insertion of negative information which is a direct violation FCRA Section 623 ( A ) ( 7 ) /Regulation V. If Capital One feels that they have sent me written notification properly, then I am requesting a copy of the certified mail receipt bearing my name and signature. If Capital One can not provide proof of documentation requested within the next 10 days then I am requesting a deletion from my credit file! Furthermore Capital One has continued to report negative information without written notification which is a violation under FCRA 623 ( A ) ( 7 )!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is % 100 complete and accurate. I would like to receive the description according to 15 U.S.C. 1681i ( 7 ). 
Because the list of accounts below are not accurate. The OPEN DATE, DATE LAST ACTIVE, AND DATE OF LAST PAYMENT. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX. THEY DID NOT MODIFY OR DELETE THE INACCURATE INFORMATION ON MY CONSUMER REPORT ACCORDING TO 15 U.S.C. 1681 i ( 5 ) ( A ) ( i ) I attached my credit report.
Product: Debt collection

As far back as XXXX/XXXX/XXXX, I furnished collection agency Hunter Warfield with proof I was paying this debt to the original creditor via a wage garnishment order. I recently learned this company is still reporting the full amount of the debt as outstanding. Last month, I mailed them a copy of the court document Acknowledgment of Satisfaction of Debt filed on XXXX/XXXX/XXXX by the original creditor showing the debt has been fully satisfied. They again mailed me a form letter, ignoring my documents submitted and listing the full debt as still outstanding and fully due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.
Product: Credit reporting or other personal consumer reports

Personal Statement these items/accounts/inquries are unauthorized and unrecognized please help delete these items from my CONSUMER REPORT for they are causing me great harm and suffering in hindering me from life liberty and the pursuit of happiness.

inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Accounts : XXXX XXXX XXXX XXXX XXXX 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 writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested R

esolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was speedy cash. Speedy cash sent this debt to another company before XXXX XXXX XXXX and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit report after a few years, I noticed a lot of inaccuracies reporting on my name. One of which, is reporting from, Veros Credit, which financed a vehicle under my name but without me being present. After seeing this fraudulent account on my credit report, I reached out to the credit reporting agencies who then told me to reach out to the creditor, Veros Credit. I spoke with many of their employees and even emailed their compliance officer in order to get a response because I was not getting any help or information regarding this issue. 

The account I am mentioning and it's details are listed below : VEROS CREDIT LLC XXXX Balance {$10000.00} I requested a consumer contract from Veros Credit and they did provide me with one. Although, the contract was not signed by me. Someone fraudulently signed my name without my knowledge and received this auto loan. I have not used my credit for many years now because of discrepancies on my report and due to debt. Finding out that this account was opened without me knowing and someone used my name and information to sign the contract is unacceptable.

Even after speaking to the representative of Veros who was in charge of helping me resolve this issue, unreasonably concluded not to make the correction on my report. I was told that because the address on my current ID is the same address as the one in the contract, they will not delete the account. 

IF SOMEONE USED MY PERSONAL INFORMATION THEN OBVIOUSLY MY ADDRESS WILL BE USED ALONG WITH MY NAME, SOCIAL SECURITY NUMBER, ETC. 

That is exactly what Identity Theft is! I ran out of patience dealing with this creditor and am hoping that the CFPB can help me getting Veros Credit to make the correction on my credit report.
Product: Credit reporting or other personal consumer reports

There are XXXX hard credit inquiries on my Transunion credit report that were not made by me. They are fraudulent and need to be removed immediately. The inquiries are from " XXXX XXXX XXXXXXXX '' on XX/XX/year> and XX/XX/year>. I have already filed complaints with both Transunion and XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX has acknowledged that there are inquiries reporting on my file that are fraudulent and will be removed, however in both the letters I received from XXXX XXXX XXXX, they did not acknowledge the correct inquiries that were mentioned in the previous dispute. The letters mention " The inquiry dated XX/XX/year> '' however there are no inquiries from XXXX XXXX XXXXXXXX reporting on my file from XX/XX/year>. The fraudulent inquiries were made on XX/XX/year> and XX/XX/year>. These are the inquiries that are being disputed and they both need to be removed immediately. I have never applied for any credit cards with XXXX XXXX  XXXX, nor have I ever given them consent in any way to do a hard pull of my credit. It has been several months of this fraudulent report being furnished and I have contacted both the Bank and the credit reporting agency. This fraudulent activity is causing severe harm to my personal life and both XXXX XXXX XXXXXXXX and Transunion need to be held accountable for their actions.
Product: Debt collection

XX/XX/2021, my credit report was flagged, collections, {$900.00} by Phoenix financial services. I contacted PFS on XX/XX/2021 And was told it was a medical debt I explained I have insurance and should not have any medical bill. I was informed I was outside the dispute time and would have to pay or deal with the consequences of it being on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX