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

To whom it may concern : XX/XX/ Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I paid {$370.00} for a service through Zelle and the service was never rendered. Ultimately, I discovered that the service was a scam and the person running it frequently convinces people to send money and doesnt deliver a service. I brought this information to my bank XXXX XXXX  XXXX XXXX XXXX in which they explained that once the money is sent, there is no way to retrieve it other than the recipient sending the money back.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 
Account Name : XXXXXXXX XXXX  Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure maximum possible accuracy of the information in a consumer 's file. Specifically, XXXX is reporting 30-day late payments for XX/XX/year>, while Equifax is reporting 30-day late payments for XX/XX/year>. These inconsistencies suggest inaccuracies in the reporting of my payment history. I request an immediate investigation into these discrepancies and demand that any incorrect information be corrected PAID ON TIME in accordance with my rights under the FCRA. Please provide the results of your investigation, along with an updated copy of my credit report, upon completion. 
Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by [ XXXX ]. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, XXXX  as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a )  of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. XXXX XXXX/XXXX  Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX/XXXX   Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} CITIZENS BANK NA Account # XXXX Opened XX/XX/XXXX in the amount {$19000.00} XXXX XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX UNIVERSITY XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}
Product: Debt collection

On XX/XX/XXXX I received a call from Collections Agent ( XXXX XXXX ) at National Credit Systems Inc. He stated he was calling in attempt to collect a debt on behalf of their Client/ Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) in the amount of {$370.00} and would I like to take care of payment today. 

I kindly informed that I decline to pay this debt as I never live at the XXXX XXXX XXXX XXXX XXXX., However, in XXXX of XXXX I did submit a rental application in which I paid a {$300.00} application fee that was later refunded back to me via my bank ( XXXX XXXX  ) on XX/XX/XXXX ( please attachments ) after submitting a dispute case on XX/XX/XXXX ( please see attachments ) through my bank XXXX XXXX XXXX ) due to miss information not properly disclosed during my application submission with them. I gave XXXX XXXX the case number ( Claim # XXXX ) for him to take back to his client so their client could provide them a copy of the dispute transcripts with my bank ( XXXX XXXX ) showing that they agreed to refund me back the {$300.00} ( in which they did ), and the case was closed on XX/XX/XXXX ( please see attachments ). 

I also requested for XXXX XXXX to kindly submit to me a debt validation ( in which he did, please see attachments ). And as you can see the statement National Credit Systems submitted to me from their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a completely {$0.00} balance. XXXX XXXX stated he would reach out to their client to get clarification and would be in touch. From that day I never heard back from him or National Credit Systems Inc. via by phone, mail or email. 

So today, I was shocked when I receive an urgent email from my credit monitoring service that a collections account is being reported from National Credit Systems for {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FXXXX 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: Vehicle loan or lease

I bought a XXXX  XXXX XXXX from BMW of XXXX last year on XXXX. When I first got the car I started noticing a strong mildew smell and some mildew in some of the seat belts. I brought my car in and they cleaned and charged the air filter and then that same week I had to brought it in again because electrical damage associated with the turbo. They replaced the turbo and it was covered under my extended warranty, but I still could smell the mildew in my car and I even got sick because of it. Then, 8 months after buying this vehicle, at the beginning of XX/XX/XXXX, I left it park outside my home and water got into my car through the moonroof which was closed, this caused damages to my vehicle to the point that it is not drivable anymore and the cost of fixing it is higher than the cars value. I have been trying to get a solution from BMW but they always say that they are not responsible for that, when other BMW dealer already told me this vehicle has a defect in the moonroof and thats why water is leaking through it. I frankly dont know what else to do, but Im 100 % sure that they sold me a car with water damaged. I have tried to come to an agreement with the dealership since XXXX but they havent given me any solution and expect me to continue paying for this vehicle, and I still owe $ XXXX. This has been so stressful for me that it has affected my health and personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

M

y consumer rights have been violated pursuant to 15 usc 1681a ( 2 ) ( B ) any item on my consumer report and consumer file that was originated through a credit card, in this case my social security card as defined in 15 usc 1602 ( l ), it should be excluded. I am demanding that the accounts be deleted from my consumer report and consumer file immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 usc 1681i ( 5 ) ( A ) I should be notified of reinserted accounts within 5 business days of the account 's reinsertion. I was not notified within 5 business days of this action, therefore, I demand that the account be permanently removed from my consumer report and consumer file immediately as this is also a violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Credit reporting or other personal consumer reports

I noticed some mistakes on my credit report, specifically related to late payments. These do not match my regular payment pattern. Please resolve these issues and update my account. Thank you!
Product: Credit reporting

I called Transunion twice now about their inquiry issue and the rep XXXX XXXX told me he was unable to comment on XXXX and the inquiry issue that I needed to refresh my browser. I put a freeze on my credit because I did n't know what was going on and i called them again to report this and their Customer Service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Product: Debt collection

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked toXX/XX/XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Product: Checking or savings account

XX/XX/2022. 

.01 added to savings account. 

XX/XX/2022 XXXX added to savings account. 

Descriptions says credit interest. Checked with the bank. I thought they were subtracted but they were added. Teller did not seem to think that it was due to XXXX. 

Concerned that untraceable additions to my account imply access to cause losses, assess charge off. Right now, I don't have any credit open, and I'm paying student loans according to the payment plan selected.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Dtafax : XX/XX/XXXX
Product: Checking or savings account

I had sent money to a person through chime that claimed he was the owner of a house for rent just to find out that he in fact was not the owner after me an my wife signed a fake lease so I went an filed a police report and the officer did an investigation and found that it was in fact fraudulent/scam and when I contacted chime to tell them what happened to try an get my money back they stated that they would do an investigation and send me a email for me to send them the police reports from the officers investigation but they never responded with a email for me to send the report in an said that there was no fraudulent activity or scam an that I wouldnt get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called XXXX, XXXX and Experian. Neither one of those companies obliged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

It was a loan that was apparently taken out in XXXX XXXX XXXX. In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers, I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my chexsystem file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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