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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

XX/XX/XXXX-XXXX, XXXX- informed them that this was incorrect. plus showing XX/XX/XXXX when in fact it should be XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility!
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Data Breach and Violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Dear to who it may concern I am writing to file a formal complaint regarding a massive data breach that has affected Billions of individuals, including myself. The breach, which reportedly involves the exposure of sensitive personal data of XXXX XXXX people, has led to widespread identity theft and fraudulent activity. I believe that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, has been violated in my case. 

Details of the Breach and Impact : I have become aware that my personal information, including my Social Security Number, address, date of birth, and financial details, was compromised as a result of the National Public Data breach ( NPD ). Since the breach occurred, I have noticed unauthorized accounts opened in my name, as well as incorrect information being reported on my credit file. 

I have notified the credit bureaus ( XXXX, XXXX, and XXXX ) of the fraudulent activity, but the issue persists, and inaccurate information remains on my credit report. As of today, I have not received a timely or satisfactory resolution regarding the correction of this inaccurate information, nor have I been provided with the protections guaranteed under FCRA 15 USC 1681, which mandates that consumer reporting agencies must delete inaccurate or incomplete information on a consumers credit report.

Violation of FCRA ( 15 USC 1681 ) : Under the Fair Credit Reporting Act ( 15 USC 1681 ), credit reporting agencies and users of consumer reports are required to take reasonable steps to ensure the accuracy of information in consumers reports. Specifically, Section 1681i outlines that consumers have the right to dispute any information they believe is incorrect or incomplete. Despite my efforts to notify the bureaus and request a correction, I am still facing the consequences of this data breach, which has impacted my creditworthiness and financial stability.

Additionally, Section 1681c-2 mandates that consumers be informed when negative information is reported on their credit file due to fraud. I have not received adequate communication or updates regarding the status of my disputes or any steps taken by the bureaus to investigate the fraudulent activity. 

Request for Resolution : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit file is corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, I am requesting :
Product: Credit reporting or other personal consumer reports

report. 

The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.
Product: Credit reporting or other personal consumer reports

AM WRITING IN REGARDS TO THE FRAUDULANT INQUIRES BEING REPORTED FROM MY CONSUMER REPORT. UNDER 15 USC 1681c-2 ( BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNDER 15 USC 1681n ( WILLFUL NON COMPLIANCE ) I WILL SEEK LITIGATION VIA15 USC 1681n ( WILLFUL NON COMPLIANCE ) FOR ILLEAGALLY FURNISHING FRAUDULENT INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is hurting my credit score and cauing a negitative inpact on my reporting due to inaccuate reportings this account is paid in full I have a letter from New Jersey XXXX XXXX that proves this account is not delinquent yet this is how it reads on my credit report. Please update status.
Product: Credit card

For Discover Acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.
Product: Debt collection

Account was disputed on XX/XX/XXXX. Account has failed to be removed. Spoke with agent on XX/XX/XXXX at XXXX XXXX and was provided a fax number of XXXX to provide identity theft documents and was reassured that my dispute will be processed within one business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   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

In accordance with the Fair Credit Reporting act convergent Account # 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 an account without my written instructions.
Product: Credit card

I filed a dispute with Citi on XXXX XX/XX/year> for {$9500.00}. My case ID is XXXX. The {$9500.00} was paid to an online XXXX XXXX for services never received. Since then Citi has closed the dispute once ( on XXXX XXXX ) saying I was responsible for the charge. I called Citi and reopened the dispute and emailed documentation to Citi on 13 different occasions in 13 different emails and also mailed Citi copies of the documentation showing that services were never received/rendered on XX/XX/XXXX. As of XX/XX/year> my dispute is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

World finance co of XXXX ga various of location .start with XXXX XXXX XXXX XXXX ga, XXXX hope this is the right address and company .that a be with cfpb the company is lending out my money with out my say so. XXXX XXXX and XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX not has power of attorney over me no more .the company is mine out of the trust contract now. I am ask and give y'all a notice. That. I am the employer tax payer now .and all record and bank account be turn over too me. I have pin codes .no tax return can be filed .it will be fraud and jail ..so let get this did with out going threw all of that thanks. Get the company agent too research the tittle on the company .and this is a headquarters address on file sense XXXX .check the tittle of this address sense XXXX. A IRS tittle exam and tittle exam. This is a business estate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, is deceased .sense XXXX .I am name as beneficiary too all his businesses. XXXX XXXX XXXX is fail too comply with the contract .abuse and abandoned the instructions of this contract. It why I am file the complaint. This a owner or world finance .I am owner .of this said business.
Product: Credit reporting

I have consistently had credit issues due to my credit information being incorrect. I 've disputed items on several occasions only to have them reoccur again and I am extremely upset and fed up with this problem. I have a XXXX sister who 's name is similar to mine and social security number that is similar as well. Under my reports is all of my information and hers as well. This includes her married last name and maiden name, all of her previous addresses, her car loan information, credit cards, school loans, and phone bills all under my acct. I 've explicitly stated our social security numbers need to be separated indefinitely it is ruining the way I am trying to live my life. I 've been refused phone contracts for this and credit cards. More recently XX/XX/XXXX, unrelated to mixing up my sisters and my personal information, I was refused gas/light service in my name for my first apartment due to my name being used for a gas and light bill while I was away at college in XX/XX/XXXX. The company, XXXX, now wants me to do my own investigative work before I can successfully put these much needed utilities in my own name, which could take months. My move in date by the way is in less than 2 weeks. It 's completely absurd and if I could sue the credit bureaus I would for time and continuous pain and suffering.
Product: Checking or savings account

Someone when to a atm machine and withdraw money out of my account why I was at work XXXX  times every XXXX minutes for a total of XXXX dollars and I been trying to get it back from chime but they keep denied it saying no error I even send them the police report and still denied it
Product: Credit reporting or other personal consumer reports

I filed an FTC report. They dont respond to any of my inquiries. They just send a useless list of homework for me to do. How about a federal agency actually assist the customer, the public, with stopping fraud on our credit cards. It's been the third time in XXXX  years. I report it. I get XXXX feedback. I complain. and still nothing happens. Consumer protection? Really. Who will protect me from you? What a useless agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, XXXX, TRANSUNION and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, XXXX, TRANSUNION has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have {$900.00} odd dollars in my PayPal account one day I randomly receive an email that my account is limited and I need to confirm my identity. I send in all required documents. a week later I contact them and confirm my identity and I am advised they are holding my money for $ 180 days with no explanation other than " refer to our user agreement '' I have spent countless hours emailing and calling PayPal with no success and access to my money. I as a single mother need access to these funds to pay bills!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character,
and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Student loan

I have called to see how can I target my payments to specific loans so that I can pay them off using the snow-ball effect. I spoke with one of the representatives and she explained in detail how to exactly depict the information on the money orders so that the payments could be targeted to certain loan sequence numbers. I did exactly that and STILL, whomever processes the payments, doesn't look at the annotation on the memo portion of the money order and applies the funds towards ALL of the loans. I have called numerous times to get them to change how they allocated the funds and STILL it has not occurred after being told that it takes 7 business days to get this changed. Here we are a month later, and STILL the payment hasn't been changed to target the one I wanted. This last time, I sent the payment with a written piece of paper of how I wanted the funds allocated on top of writing it in the memo portion as instructed. I checked a few minutes ago, and STILL they allocated the funds the way they wanted to against what I wanted. How am I going to see my loans paid off when they do what they want to instead of doing what I am instructing them to do? At this rate, I will NEVER get my loans paid off. PLEASE HELP.
Product: Checking or savings account

I made a deposit at the bank 's ATM on Friday XX/XX/XXXX at about XXXX at the XXXX XXXX branch in XXXX . I deposited a check for {$8.00} and a money order for {$15.00}. The check was posted on my account but the money order was not. The ATM did not give me a receipt for the deposit even though I asked. When I call the bank they just put me on hold. I would like credit for the {$15.00} money order that I deposited.