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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : XXXX  Written Request for Removal of Unverified Accounts Dear Experian, This letter serves as my XXXX  written request for the removal of unverified accounts listed on my credit report in accordance with 15 U.S.C. 1681. Despite my initial request, the following accounts remain on my report without proper verification : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$46000.00} - Opened : XX/XX/XXXX XXXX. *XXXX XXXX XXXX** - Account Number : XXXX - Balance : {$320.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX - Balance : {$130.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Opened : XX/XX/XXXX According to your previous correspondence, you stated that these accounts were " verified. '' I request detailed documentation proving the verification process, including : - The documents used for verification. 
- The name, business address, and phone number of the individual who verified these accounts. 
- A sworn affidavit or deposition confirming the truthfulness and accuracy of the verification. 

As defined by XXXXXXXX XXXX  XXXX XXXX, " Verify '' means " to prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' This requires the production of documents in your files proving these accounts belong to me and that the reported information is accurate. Furthermore, someone within your company must have firsthand knowledge of these accounts and authenticate them under oath. 

Federal case law mandates that Consumer Reporting Agencies must ensure the accuracy of the accounts they report, which involves more than merely parroting information from other sources. A reinvestigation that shifts the burden back to the consumer and credit grantor does not meet the obligations imposed by 1681 ( a ) ( 4 ).

Since you have failed to provide the requested documents, it indicates you either did not or can not verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, you must " promptly DELETE all information which can not be verified. '' If you do not comply, I will pursue litigation for negligent noncompliance under Section 617 of the FCRA. I demand immediate verification or deletion of the accounts listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine
Product: Debt collection

I have con tacted JH Portfolio Debt Equities LLC by  mail, letter sent  XXXX / XXXX / 17 , and they received it on  XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.
Product: Debt collection

Portfolio Recovery Associates ( PRA ) is in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA. 

They purchased debt they knew was from the result of ID Theft and fraud. Notwithstanding, XXXX sold them debt they knew was the result of ID Theft and fraud. I notified XXXX way before they sold the debt to PRA I have notified them on several occasions that I am the victim of ID Theft. My Identification has been stolen by XXXX Criminals from XXXX XXXX XXXX, Sate of California according to the IRS Criminal Investigation Division Special Agent XXXX XXXX. They have been filing false tax returns in my name as well as applying for Credit.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> / XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account. 

XXXX - Acct # : XXXX
Product: Debt collection

I refuse to pay this BULL CITY FINANCIAL. BCF is reporting XXXX accounts onto my consumer report. My rights under the Fair Debt Collection Practices Act ( FDCPA ) and HIPPA allow me to contest credit report inaccuracies. According to FDCPA, I can challenge false information, and HIPPA deems accessing, obtaining, or transmitting Protected Health Information without authorization a criminal violation. BULL CITY FINANCIAL isn't the original creditor, and I never authorized them to report my private information. I've got proof of their questionable practices, from inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). Validation and verification are not my concerns ; it's the false data on my credit report. They must remove this incorrect account and other negatives swiftly. If not fixed within 10 days, I'll take it to the United States District Court for the Eastern District of North Carolina. I'd rather sort this out amicably, but time is running out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Credit line accounts opened at XXXX XXXX  on XXXX, XXXX under account number XXXX ( XXXX ) Lines of credit accounts opened at Creditor : XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX ( XXXX ) XXXX  - XXXX XXXX under account # XXXX Hard Inquiries at XXXX XXXX on XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the company Acima to verify an account that turns out to be identity theft and a fraudulent account. I sent correspondence to the company certified mail with my ftc report. Pursuant to18 U.S. Code 1028 I demand this information be deleted from my credit report as I am a victim of identity theft. This company tried to advise me that I needed a police report to flag my account as fraudulent when notification from me the consumer is enough there carelessness in handling my consumer file leaves me vulnerable to identity theft
Product: Debt collection

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

DIVERSIFIED CONSULTANT XXXX, This collection is the result of Identity theft. Please Delete Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX from my XXXX side, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was XXXX/XXXX/2013. The item still appears on all three credit bureaus, and I want it off.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
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. 

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

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX IN violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX IN is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX IN has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX IN has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

by the Credit reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I think the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. If the Credit Bureaus can not correct the disputed items on my Credit Report, I would highly appreciate it they woud remove the dispute accounts cmpltely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I sent them a debt verification affidavit and they didnt respond. ( Please see attached )
Product: Debt collection

Subject : Fraudulent Loan Accounts with Affirm Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding fraudulent loans that have been opened in my name with Affirm. I recently discovered unauthorized loan accounts, including account number XXXX and three additional accounts, which I never initiated or approved. 

Upon reviewing my credit report and financial records, I found these accounts, which appear to have been fraudulently created. I have never applied for nor authorized these loans, and I believe my personal information has been used without my consent. I have taken steps to dispute these accounts directly with Affirm ; however, I am seeking further assistance in resolving this matter and ensuring that these fraudulent accounts are removed from my credit history. 

I am including the following documents as attachments to support my claim : Correspondence with Affirm regarding my dispute. 

Any additional documentation related to this fraud case. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that Affirm promptly removes these fraudulent accounts from my records. Additionally, I would appreciate any guidance on further steps I should take to protect my credit and identity. 

Please feel free to contact me at XXXXXXXX XXXX XXXX should you require any further information. Thank you for your time and attention to this matter. 

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

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I was running a credit of {$15.00} with my Capitol One credit card for over 10 months and knew I did not use the card so was not worried about my statements. Then when trying to buy a house I learned from my lender that my credit score tanked because of delinquent payments. Upon review, Capitol One added a membership fee of {$39.00} in XXXX of XXXX, because of the credit on the account that brought my balance to {$23.00}. Not knowing of the membership fee I did not pay the balance. In XXXX the amount I owed climbed to {$38.00}, in XXXX to {$73.00}, in XXXX to {$110.00} and that is when my lender discovered what I owed and I immediately paid it. However, the damage had been done and now I am unable to purchase a home. It was not because of a line of credit the company gave me but because I did not pay a membership fee. No additional outreach was done to me to let me know the fee was accruing interest and my credit score was being destroyed even though the company had my address and phone number. When I reached out to Capitol One yesterday ( XX/XX/XXXX ) I was told to write a letter and they would review it but it would take up to three months to resolve if it was resolved at all. In the meantime, my credit is ruined over a {$39.00} membership fee.
Product: Payday loan, title loan, personal loan, or advance loan

Hello this complaint is in regards to TitleMax in the state of XXXX. My name is XXXX and I got a title loan around XX/XX/XXXX. My first payment of XXXX was due on XX/XX/XXXX. I did make my payments throughout the year of XXXX up until XXXX. I paid well well well over {$10000.00} the original loan amount was {$8800.00} and I am seeing that they had included also a {$220.00} on top of it which totals amount to XXXX I think of the total loan amount which has an annual percentage rate of XXXX XXXX  which interest fees alone its about well over {$30000.00}. Ive currently tried to communicate with the company to see if they will work with me and recalculating all the fees due to the lawsuit they had and unfortunately they dont have any info as to whether or not my account was included or not in the law suit even tho my XXXX XXXX that was taken out XX/XX/XXXX falls in the timeframe that they were enforced to refund consumers and yet no one can give me any info as to helping find out if in fact Im due a XXXX  please help me I cant afford the XXXX  to get repossessed I get XXXX treatments and will be getting a XXXX XXXX  in my XXXX XXXX XXXX XX/XX/XXXX and XXXX begging for help in this and Ive attached my receipts of payments and a copy of the original loan document and the last letter I received from XXXX XXXX XXXX the mistake of something about amounts and it clearly shows what they handed to me and what they paid to XXXX and apparently Im having to pay on that fee that they paid to XXXX and its not fair my loan amount was {$8800.00} at a rate of XXXX XXXX and it shouldnt be {$9100.00} as stated on the loan agreement