23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, DE Inaccurtae Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

. On XX/XX/XXXX I paid my bill of {$110.00} in full. At that point I believed my balance was paid and full. However my XXXX bill had a residual balance of {$2.00}. My XXXX bill was {$6.00}. My XXXX bill was {$14.00}. My XXXX bill was {$31.00}. My XXXX bill was {$65.00}. On XX/XX/XXXX Victoria Secret sent me a text saying I have a bill for {$65.00}. On XX/XX/XXXX I made a payment for {$65.00}. I was under the impression that I had a zero balance from XX/XX/XXXX. Once I was made aware of the issue I did a dispute on the Victoria Secret web site. The dispute department rejected my claim. I would like to appeal the denial decision. 

I called into the Victoria Secret customer service line speaking to XXXX and her senior representative XXXX on XX/XX/XXXX. XXXX explained the residual interest and the calculator process to me at that time. As I explained to XXXX how am I supposed to know the process If I was never made aware of it.
Product: Debt collection

Id like to dispute Franklin Credit Services charge for {$330.00}. This is an account that has been in dispute with XXXX XXXX XXXX ( acct : XXXX ) and is due to identity theft. XXXX XXXX XXXX concluded an investigation with incomplete information and reinstated collections. I am attempting to reopen the dispute with XXXX XXXX XXXX but theyre being uncooperative. 

The police report on the identity theft is : XXXX XXXX Metro Police - XXXX
Product: Credit reporting or other personal consumer reports

Dear Source Receivables Management LLC : I am responding to your contact about a debt you are trying to collect. You contacted me by email and identified the debt as owed. I am writing to formally request validation of the debt you claim I owe, referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request specific information to verify the validity of the debt and your right to collect it. 

To properly validate this debt, please provide the following documentation : 1. Purchase Agreement : A copy of the purchase agreement or other legal documentation that shows Source Receivables Management LLC has full ownership of this account. This is necessary to confirm your legal right to collect on this debt. 
2. Original Contract : A copy of the original contract or agreement that bears my wet signature, along with the original date of the debt. This will help establish the origin and legitimacy of the claimed debt. 
3. Full Payment History : A complete payment history of this account, including all charges, payments made, and the outstanding balance. This will allow me to verify the accuracy of the amount you claim is due. 
4. Proof of Legal Right to Collect : Documentation that proves you are legally entitled to collect on this debt, whether by assignment or purchase of the account from the original creditor. 

Please consider this letter a formal dispute of the debt until such time as you provide the requested documentation. I expect a prompt and thorough response in accordance with the guidelines set forth by the FDCPA. 

Until I receive the requested information, I do not acknowledge any liability for this debt. I also request that all further communication be conducted in writing and sent to my address as listed above. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report Im XXXX XXXX And noticed some things are incomplete and not accurate. And according to the fair reporting act whenever a consumer reporting agency prepares a consumer report its shall follow reasonable procedures to assure Maximum possible accurancy. These accounts XXXX XXXX XXXX, are not complete and accurate [ XXXX XXXX XXXX ] Open date is not reporting correctly, date of last payment is not accurate, this account is not accurate
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we were attempting to buy tickets to a football game. Payment was made via Paypal. We instantly knew we were scammed at the " instant tickets '' were not available and the man hung up on us. We immediately called the nubmer and it was disconnected. I called Paypal to stop payment. I called bank to stop payment. They are saying since we said, " friends and family '' we were not covered but would look into it. It was eventually sent to collections. 

I have contacted Paypal. They say to cover the {$600.00} and THEN they will work with our bank. however, the bank has nothing to do with it. They are not actively going after the man who scammed us. The case is closed. 

I have his " name '' which I'm sure is a scam. His email. As far as I know his account is still open and active and able to scam. Paypal is not pursuing this even though we did not receive our product. Even if we are not able to be helped with the amount owed- I do not believe that this man should be able to have an account. Can we get the money back from him? 

Paypal said they " front '' the money ... and it's too late. Trying to get this guy to be held responsible for his actions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card Report # XXXX for XX/XX/19 both cards ending on Experian report account last XXXX XXXX & XXXX page 3 of  10 show ( ND ) in which the payment was made on time> Experian has error after error in reporting the correct information. Also Experian wants to blame the reporting company it goes on and on with Experian reporting info correctly.
Product: Debt collection

Getting several calls daily from Portfolio Recovery at all hours ( before, during, and after business hours ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information about me. The alleged collection account for XXXX XXXX XXXXXXXX is listed as being open and with a past due balance of {$130.00}. This is a violation of FCRA and is in violation of requisite of METRO2 compliant reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the inquires be removed for months now. TRANSUNION has failed to send proof that these inquiries belong to me. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft credit bureaus must block all fraudulent accounts that have been created through identity theft. 

Below Are the accounts and inquiries on my credit file that are fraudulent in nature and created through identity theft. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX D.C. XXXX CC : Consumer Financial Protection Bureau , CC : Attorney Generals Office CC : XXXX XXXX XXXX , CC : UNITED STATES CONGRESS CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency CC : Federal Reserve System, CC : Credit and insurance CC : Federal Trade COMMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following listed accounts below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information you have furnished regarding the above-referenced account, which appears on my consumer report. As a furnisher of information under the Fair Credit Reporting Act ( FCRA ) and a debt collector subject to the Fair Debt Collection Practices Act ( FDCPA ), you are obligated to ensure the accuracy, completeness, and validation of the data you provide to consumer reporting agencies ( CRAs ). This letter outlines specific inaccuracies, invokes my rights under 15 U.S.C. 1692g, and demands immediate corrective action.

Violations of the FCRA and FDCPA 1. Validation of Debt ( 15 U.S.C. 1692g ) : I request proper validation of this debt, including a breakdown of the amount owed, the original agreement, and proof of your authority to collect. Your failure to validate the debt properly undermines the accuracy of the information reported. 

XXXX. Inaccurate Reporting of Payment History : The payment history for this account reflects discrepancies across CRAs. For example, XXXX lists the first charge-off as starting in XX/XX/XXXX, whereas XXXX reflects it beginning in XX/XX/XXXX. This inconsistency violates your obligation under 15 U.S.C. 1681s-2 to provide accurate information to CRAs. 

Case Law Reference : In XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that data furnishers are liable for failing to correct inaccuracies after being notified of a dispute. 

XXXX. Failure to Verify and Correct Errors : Despite my previous dispute with CRAs, the inaccuracies persist, indicating either your failure to conduct a reasonable investigation or your non-compliance with 15 U.S.C. 1681s-2 ( b ). 

Case Law Reference : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the duty of furnishers to investigate and correct erroneous information. 

Requested Remedy Cease and Desist Communication : I demand an immediate cease and desist of all forms of communication, including any reporting of this account to my consumer report. Your attempts to contact me through any medium, including reporting this account on my consumer report, have occurred at inconvenient times and are unjust to my livelihood. This is a violation of my rights under the FDCPA. 

Validation of Debt : Provide full validation of this debt in compliance with 15 U.S.C. 1692g, including a detailed breakdown of the amount owed, a copy of the original agreement, and proof of your authority to collect. 

Correct Reporting : Update all CRAs with accurate information, ensuring consistency in payment history and the correct date of first delinquency. 

Verification Method : Provide documentation verifying how you determined the accuracy of the information furnished to CRAs, including the date of first delinquency and payment history. 

Compliance Confirmation : Confirm in writing that the corrections have been made and that the debt has been validated properly. 

Failure to address this matter promptly may result in further actions to enforce my rights under federal law, including arbitration or litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$64000.00} XXXX XXXX XXXX XXXX Balance : {$6400.00} DXXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX & A XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Balances showing {$200.00} and some dollars. Was report by FedLoan Servicing however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report I was caught surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2600.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$3000.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX  XXXX {$450.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} XXXX XXXX {$1900.00} XXXX  XXXX {$370.00} XXXX  XXXX {$1200.00} XXXX XXXX {$96000.00} XXXX  XXXX {$840.00} XXXX  XXXX {$1100.00} XXXX XXXX {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

There has not been a response to my disputes on XX/XX/3019 nor XX/XX/2019
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXXXXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX XXXXXXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX my debit card was used to make two identical unauthorized charges of {$120.00} each ( total {$250.00} ) at a XXXX at XXXX XXXX  XXXX When I noticed then I flagged them and started a fraud claim with my bank. They put temporary funds back in my account while they ran an investigation. Recently I received a letter stating that this temporary funds would be reversed because their investigation had concluded that this were in fact valid charges. When I called to question this I was told that because this were both swipe and pin charges there was nothing they could do and were in fact valid. My card has been with me the whole time and I do not live any where near XXXX, I live 4 hours away. They stated that unless I have documentation stating I was not at XXXX on the day of the charge there is nothing they can do. Oh and that they had sent me a text to my phone flagging this charges as fraud and I had approved them. First of all, I never received such texts nor did I approve. Second of all I was home most of the day because my XXXX were sick and only went to the grocery store in the afternoon to make a purchase ( approximately 6 hours after the fraudulent charge according to the representative ). How do I prove that I was home most of the day and never left the city where I live. And finally, its been well documented that in fact scammers can clone your card and steal your pin to use it, so this is not an excuse. Just looking at my transaction history you can see I have only been near XXXX once in my life on a trip back in 2020 to XXXX but there is a trail, why would I go specifically out of my way 4 hours away from where I live to make two identical charges of {$120.00} each at a XXXX none the less ( this should be suspicious enough ) and then come back to where I live and make a smaller charge at a grocery store.
Product: Credit reporting

I was trying to get a loan form my credit union and there was a discrepancy on my age the birthday that TransUnion had on file of me is the date to my father. So my credit union could not give me a loan. Until the TransUnion report is corrected with the proper information. The date of birth is to my father with a similar name and not my DOB. 

I have had in the past had a credit card with XXXX XXXX 's that was n't mine and it was for a XXXX XXXX in XXXX XXXX, Texas. I had filed a police report back over 5 years ago and pointed out to the police that I never lived in XXXX XXXX and that I do not have an account with XXXX XXXX. But the following day when I went to complain about an account with them they told me it was all of a sudden paid off and that I do not have the right to get the address to the account. I had told the police that I believed it was my ex-wife but they had told me to leave her alone since she is a woman and a XXXX too at the time. So I left it alone.
Product: Debt collection

The accident happen on XX/XX/XXXX. Advised ( XXXX XXXX XXXX XXXX dba XXXX XXXX ) that, I have full covered and provided insurance information to adjuster at ( XXXX ) and then I received a letter on XX/XX/XXXX from XXXX and provided information again. On XXXX XXXX received a letter from XXXX XXXX XXXX XXXX. However, XXXX didn't contact XXXX for payment for the accident prior to contacting me. Under California everyone that owns a car have to obtain liability insurance coverage to drive on the roads and streets. Both companies have fail to get in contact with XXXX. 

Also, this debt is dispute and served as notice for dispute. Lastly, please stop harassing and threatening me. Cease and Desist notice unless it's regards to XXXX make payment. Once, payment is made you can send me a notice it was Paid in Full. 


XXXX XXXX