23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up from CFPB file XXXX, I was asked to provide proof of my social security number, via phone call placed XX/XX/XXXX. Due to my family and I being displaced, and homeless, ( due to the debt in dispute ), I am unable to receive correspondence. I express my apologies, as I will fully cooperate in any part of this investigation, to get this debt removed. 

ORIGINAL COMPLAINT In XXXX of XXXX, I submitted a dispute to XXXX against XXXX XXXX XXXX ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX, in XXXX of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX balance, on the rent balance owed line, submitted to the Court. CFPB file number XXXX, ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement , entering XXXX XXXX XXXX XXXXXXXX into the Consumer Sentinel Network XXXX Because of this finding XXXX, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the Consumer Finance Protection Bureau. XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX cashed the money orders presented via XXXX County, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a Judge granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX County Deputy, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court. They placed this debt on my credit report, against court orders, to retaliate against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX NC XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the bureaus ( XXXX, TransUnion, and XXXX  ). They have failed to remove information that was linked with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I was contacted by State Collection service by text and phone ( even outside of the time window they are supposed to contact ) with claimes I owed a debt. I did not recognize what the debt was for and asked on at least 3 occasions, twice on phone calls and once by letter, for validation of the debt since I did not recognize it.

They continued contacting demanding payment but never provided the validation documents and recently reported the debt to credit agencies.

I am not going to pay a debt I don't recognize and under the law, the validation documents should jave been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

After initially sending Transunion a dispute letter to investigate my consumer report, I asked them to include any documents including signed agreements, receipts, and contracts in which they failed to provide. Transnuion responded saying that the information is " Verified '' but never sent any documentation or receipts to verify the alleged debt. I reached out to the creditors asking them to verify any debt in which I never received a response or the documentation. The information that's reporting to my consumer report is badly affecting my credit score putting me in hard times. I have no knowledge of who these creditors is nor did we have any mutual agreement. The accounts reporting are not mine and be removed if they can not be properly verified. The creditors reporting the accounts never had my consent to obtain or share my personal information with anybody which is a violation too my right of privacy. I am aware that it is Transunion 's duty to do what's fair and equitable as a consumer in which I don't believe there was a fair investigation. 

Violations committed by Transnuion & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of Accounts Dear Equifax Dispute Department, I am writing to formally dispute the reporting of the following accounts on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX  SER After reviewing my credit report, I have identified multiple violations of federal consumer protection laws in the reporting of these accounts, specifically under 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A. I request immediate action to correct these violations. 

XXXX. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies can not disclose or share my nonpublic personal information with third parties without my explicit consent. 
Equifax has failed to provide proof that I authorized the reporting or sharing of these accounts. 
Resolution Demand : If Equifax can not provide signed documentation showing my consent, these accounts must be immediately deleted from my credit file. 

XXXX. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose FCRA 1681b mandates that a consumer reporting agency may only furnish a credit report for specific, permissible purposes, such as a valid credit transaction or court order. 
Equifax has not provided proof that it had a legally valid reason to report these accounts. 
Resolution Demand : I request that Equifax provide : Signed authorization proving that I permitted these creditors to report these accounts.

Verification records explaining how these accounts were confirmed as accurate. 
Evidence of a valid permissible purpose under federal law. 
If Equifax can not produce this evidence, these accounts must be permanently deleted from my credit report. 

XXXX. Violation of 18 U.S.C. 1028A Aggravated Identity Theft The unauthorized or inaccurate reporting of accounts may constitute identity theft under 18 U.S.C. 1028A.

If these accounts were reported without my explicit authorization, I may be a victim of fraudulent reporting.

Resolution Demand : If Equifax can not verify with 100 % accuracy that I agreed to these accounts being reported, these accounts must be deleted immediately, and Equifax must conduct an internal fraud review. 
Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally request that Equifax conduct a reinvestigation of these accounts within 30 days. If these violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and may pursue legal action under FCRA 616 & 617, which provide for statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of these accounts within 30 days. If Equifax continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX
Product: Credit reporting

I created an account with  XXXX   XXXX   XXXX  whom conducted an investigation on this collection account. As a result of the investigation, the collection account was removed from my credit reports. Last week, the collection account was placed back on my credit report with  XXXX  and  XXXX , showing a new balance owed.
Product: Student loan

Navient has : Flagged my bank account as illegitimate, and refuses to work with me or my bank in the matter of proving that my current bank account is a legitimate source of payment, thus, making it impossible to make online payments. 
Hiked up my payments with no reason in doing so. 
Given me inaccurate information when it comes to my interest rates. 
Refused to work with me in lowering my payments. 
And has taken up to two weeks to ask my bank for authorization of my payment, thus putting me in financial duress, and making it impossible for me to pay other bills on time.
Product: Debt collection

Grant Mercantile Agency has committed multiple violations of the fair debt collections practices act and the fair credit reporting act. 

Grant Mercantile Agency has committed violations of 15 usc 1692e ( 8 ) and 15 usc 1692e ( 2 ) by reporting false information to third parties ( Consumer reporting agencies ) when it knew from its own records the true open date and balance.

Grant Mercantile Agency has also failed multiple times to validate this debt and I also recently mailed out another validation of debt on XX/XX/2022. 

This is a violation of 15 usc 1692g failure of validation of debts.

According to 15 usc 1692k, I am invoking my specified remedy for actual damages of {$1000.00} per violation which totals up to {$3000.00} total, and removal from my consumer report ( XXXX, XXXX, and XXXX ) The company has violated 15 usc 1692f ( 1 ) which states that they can not collect a debt unless the amount is expressly authorized by the agreement creating debt.
Product: Credit reporting or other personal consumer reports

I noticed some unfamiliar items on my credit report that may indicate identity theft, as I did not authorize these accounts. Ive raised this issue before, and I urgently request that these accounts be removed from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial management. If we can not resolve this promptly, I am prepared to pursue legal action to protect my rights. These inaccuracies are seriously hindering my financial goals, such as purchasing a home and supporting my family. I hope we can address this issue swiftly. Thank you.
Product: Debt collection

I have filed a dispute XX/XX/24 for the file I have attached the letter. They are to not contact me until the dispute is resolved. I contact them XX/XX/24 to verify the dispute. they stated they marked it. I got a call a few hours later. I got a call a second time the same day. I called your office to verify turn around time. There was no time. I got another call today on XX/XX/24.
Product: Debt collection

I received a phone call that left a message saying theyre attempting to resolve a personal matter. I saved the message and I called the number that called me which was different from the number that was in the message. The gentleman said that my old bank account from XXXX years ago US Bank, I left them abruptly with owing them money around {$350.00} and now XXXX years later its run up to {$800000.00} or more and that theyve been hired to collect this money for that US Bank. I did have a US Bank account along time ago. The gentleman also had my Social Security number, my address and my phone number. He said they sent multiple letters to my address. I never received a single letter. He threatened to take me to court sees my property, but leans on my XXXX payments, which I live off of. I told him to send me a letter of verification and he said it doesnt work that way he wants to collect the money now and I said I dont do these things over the phone because theres so many scammers out there and he got angry, and started talking in an elevated voice. Dated that their name is XXXXXXXX XXXX XXXX out of XXXX, Iowa. I XXXX  XXXX XXXX XXXX in XXXX IA and there isnt one. Him having my Social Security number address bank account he didnt give me an account number it worries me but Im pretty sure its a scam and they were good. A woman called and left a message. There was electronic voice for the reply, phone numbers, and then I called and it was a gentleman, I havent given them anything. All I said was I want their verification letter in the mail and once I can prove that they are legitimate Ill get a hold of US Bank and will work it out and he hung up on me after that.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the in accurate information listed on my credit report. In accordance with 15 USC 681b and 15 USC 681c. I did not authorize the reporting or release of my personal information to the companies listed below : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$830.00} Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$380.00} HARD INQUIRES XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquires on my credit report that I did not initiate, which constitutes as a case of identity theft. Pursuant to 18 USC 8 I do not owe any debt to these entities, and I demand the immediate deletion of these items and inquires in question to correct my credit report. Please address this matter promptly and confirm the removal of disputed entries
Product: Checking or savings account

XXXX - I requested account closure. XXXX - Login capability and account disappear, no communication from bank. I request clarication via in-app chat. XXXX - Receive email saying account was closed and remaining balance sent via ACH to account on record. I respond advising that the account on record was closed and to send money to my address via check. XXXX - XXXX I send XXXX more emails requesting a response inquiring about my money. XXXX - Receive response saying money will come back to XXXX within a few days since the recipient account was closed and a check will be sent to me. XXXX - I email requesting an update. XXXX - I receive a response that XXXX has my money and will send a check soon. XXXX - I email asking for an update. XXXX I send XXXX more emails asking for an update. XXXX - I am against told a check will be sent out soon, I demand a date since the same thing was said XXXX weeks before. I am told it will be sent " tomorrow. '' XXXX - XXXX - I send XXXX more emails demanding return of my money and conrmation a check was sent to me. To date I do not have my money, nor any apology or explanation for how poorly this has been handled. XXXX is a sham institution and should be shut down. I have interacted with " XXXX '' and " XXXX '', likely pseudonyms, and still do not have my money. On XX/XX/XXXX, after advising the bank complaints had been filed with the Federal Reserve and Office of the Comptroller of Currency, I received another response the time admitting no check was sent XX/XX/XXXX, but claiming it was mailed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my money or an adequate explanation of what is happening. This is theft plain and simple.
Product: Debt collection

I mailed out a debt validation letter to TFC Credit Corporation on Monday XX/XX/year> requesting information, Please supply me with a copy of any contract or agreement signed with your company or the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I received my credit report and notice it was inacurate. I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlighting that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports.

As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices.
Product: Credit card or prepaid card

I opened a secured credit card with Capital one in XXXX of 2016. At the time that I opened the card I was told that a security deposit was required as collateral for the secured line and that I would be reimbursed the initial deposit and be able to keep the same account once I graduated to the unsecured card. I deposited {$200.00} and received a line of {$400.00}. I called sometime last year to inquire about a {$200.00} line increase that I got taking my line to a balance of {$600.00} and was told that my card was upgraded to an unsecured credit card due to having qualifying credit. At that time I asked whether I would be able to recieve the deposit that I initially put down and was told that I would not be able to but would recieve a notification by email when I would be able to. Today, a year later from that time I called again regarding being able to get my money back. My call was escalated to a manager who told me that In order for me to recieve my security deposit back I would have to close the card and I would NOT be eligible for future credit lines with the company ( despite having qualifying credit ). So not only did I recieve erroneous information at athe time of application but rather than finding a favourable resolution, I was told that my account would have to be closed with no options for future business despite having a good credit score. The most concerning part of this situation for me is that if I close the account it would have a negative impact on my credit score. I would have never opened the credit line had I known that I would have to close the account and risk having it impact my score as well as recieve my money back, had I known that that was the case.
Product: Money transfer, virtual currency, or money service

I won a sneaker contests on XXXX for the XXXX XXXX XXXX  for retail. They were very responsive to my questions and messages untill I paid ( through XXXX ) after that they went silent. Literally in minutes I started to realize they didn't give a reply of the the confirmation of my purchase with out and shipping info or even responding to my messages, even after giving them fair warning that I would be taking steps to get my money back they still did not respond. Its people like this that ruin sneaker culture for everyone else. I called my bank to try cancel the transaction while processing and could not help at stop the payment with fraud protection
Product: Debt collection

on XXXX/XXXX/2017 I advised them to stop call me at work the called me 6 more time starting at XXXX XXXX ; XXXX and XXXX and another call XXXX XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, Date:XX/XX/XXXX, XX/XX/XXXXAccount : XXXX Amount : {$0.00}, Equifax Account : XXXX Amount : XXXX XXXX  Account : XXXX Amount XXXX .This account is not mine XXXX XXXX XXXX  Date XXXX XX/XX/XXXX, XXXX   Account:XXXX : Amount XXXX {$1000.00}, Equifax Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit