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

I was looking at my XXXX credit report and there was hard inquiry from XXXX on XXXX XXXX XXXX XXXX  that I didn't recognize. I know for a fact I did not apply for any Revvi credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my XXXX credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not me.
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 24 hours stating the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( 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. 

The accounts Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Enclosed is a letter directly from XXXX providing proof that there is a zero balance and the account in the amount of {$1100.00} was paid in full in XXXX. Please update my XXXX XXXX  acct # XXXX to a XXXX balance and as paid in full immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed inaccurate credit reporting to both Transunion and XXXX. XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX is reporting a balance of {$1000.00} however, a recently make a payment of {$530.00} directly XXXX XXXX XXXX via XXXX XXXX on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Unauthorized Collections Dear XXXX Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my XXXX credit report. I have no knowledge of these accounts and did not authorize them. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are : - **OXYGEN XL** Creditor : XXXX  Date Opened : XX/XX/year> Balance : {$420.00} - **OXYGEN XL** Creditor : NETEVIA Date Opened : XX/XX/year> Balance : {$390.00} These accounts have adversely impacted my XXXX XXXX and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I ordered a baseball bat on XXXX 's website from a 3rd party vendor called " XXXX ''. On XX/XX/2018, I received a XXXX XXXX   XXXX XXXX from XXXX, something the company does not even sell and has absolutely nothing to do with baseball in any way, shape or form. That same day, XX/XX/2018, I contacted both the XXXX Customer Service Department and my XXXX credit card company, XXXX XXXX, to dispute the charge. XXXX provided a prepaid return shipping label to return the item that I did not order, do not want, and that has nothing to do with baseball. I was advised by XXXX, that they would be researching the merchant further and to use the return shipping label to return the item. I did so the very next day and I am waiting for the item to be received at the return address. XXXX XXXX advised me that they would issue a credit to my account immediately and that they too would start an investigation. On XX/XX/2018, I checked my XXXX XXXX, XXXX account to confirm I had received the promised credit. I had not. I immediately sent a follow up email to XXXX XXXX regarding the issue and again requested a credit to my account. Today, XX/XX/2018, I received a response from XXXX XXXX that did not address my email at all but instead provided contact information for XXXX 's Customer Service Department, but still no credit. Not to mention, no acknowledgment of my actual concern. I had already filed a dispute through XXXX and have also returned the item, with the prepaid shipping label that XXXX provided me. Based on several different issues with this 3rd party vendor, both XXXX and myself, believe that they may be a fraudulent merchant, all together. However, in the mean time the amount of {$310.00} is still on my account and may soon start to accrue interest. XXXX XXXX has refused to issue a credit or even acknowledge my concern, twice now. Instead, they have chosen to lie about issuing a credit to my account and to completely ignore the entire purpose of my follow up email.
Product: Credit card or prepaid card

2 credit accounts were opened in my name with the credit limit of {$500.00}. My credit accounts were supposed to be frozen and I was in the midst of a bankruptcy when these accounts were opened. I did not open these. 
I spoke with a representative at XXXX XXXX XXXX and reported this as fraud and they assured me this would be taken care of. I have yet to speak with Capital One. I just noticed this fraud today and will be speaking with someone after I file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted all three credit bureaus, XXXX XXXX, Equifax and XXXX to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three  credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XX/XX/XXXX to all three  credit bureaus that my information reflect as follows Only one name report to all accounts, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

On   XX/XX/17   at  XXXX  I have made a check deposit on a new  Joint accoun t I opened with  Citibank ( Regular checking  -  XXXX  ). The next day when I wanted to make a transaction my account was blocked. I went to  Citibank downt own  XXXX  CT and was told there was a problem with  one the  checks and that I have to call. I have call ed Citibank  on   X/X/17  a nd was tol d   XXXX   XXXX   h as put a hold on that check. They block the account, not the amount on the check. I then call the individual that sent me the check to inform him of the situation, he went to a branch where he was informed there is no hold on his check. Even with no hold on the check  Citibank will   not unblock my account before  10 b usiness days! Say that I borrowed the money because I had an emergency??
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX XXXX that is being reported on my credit report with incorrect/ missing info. On XX/XX/XXXX, after reviewing my consumer account, I noticed numerous errors that show Experian is not reporting with 100 % accurate information as required by the Fair Credit Reporting Act. 

Specifically, I am referencing that Experian is reporting an inaccurate account number with XXXX numbers and ends with XXXX XXXX. Along with still reporting late payments after the account was closed in XX/XX/XXXX. Experian has also reported inaccurate dates of the last activity. 

Experian 's improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Debt collection

The company is CREDENCE, the letter head address is bogus. It is a company in Texas, but difficult to understand foreign speakers. I have tried to send notification in writing and received a return to sender. However, since XX/XX/XXXX I have made payments to this same address and the payments are accepted. The above number is a fax number. They charge late fees and the balance grows.Current balance is XXXX with XXXX in interest for a total {$1000.00}. i pay them XXXX mo It is a medical bill from an ambulance provider for my child .The balance does not go down but continues to increase. They send correspondance every 60 days or so. 
I have talked to several represenatives who tell me that the late charges and the calls will continue, if I do n't pay then what they demand. I have several bills from this incidence and I pay them regularly what I can afford, but they want twice the amount. 
I ca n't afford what they want. I tried to write them to get a payment plan and my letter was returned. Recently I had one of them to tell me to have my daughter fax them a letter stating that they can talk to me about the bill. They demand my daughter 's cell phone number, she is a XXXX and will not be able to pay them. She do not have a job and therefore can not pay them. They call from different numbers, to include XXXX, XXXX,XXXX, XXXX and sometimes local numbers They call three times a day on weekends. promptly at XXXX to XXXX. I have advised them that this is harassment, but the calls continue.
Product: Vehicle loan or lease

Two years ago, I lost my son and my daughter was in XXXX for 6 months. Thereafter, she was transferred to XXXX. I was in a financial dilemma due to ( XXXX issues, and a death in my family last year ). As a result, a repossession occurred ; 2 and 4 respectively of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid those payments 30 days late on those occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now those late marks and repossession/redeemed on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion, and uplift in my family and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries.
Product: Credit reporting or other personal consumer reports

I have an account reporting on my credit files that 1. ) isnt my name only my social security number. 2. ) the address used to open the account has never been my address. 3. ) the phone number used to open the account is not mine 4. ) the pre-approval used to open this account was sent to the fraud address not my home address. 5. ) the card was mailed to the fraud address not my home address 6. ) the payments made on account were not from my bank account.

I have provided them with the police report, FTC report, Driver 's license showing my address and my name. Social Security card showing my name not the one on the account. I have provided a 3 year residence history showing I have never lived at that address. I have provided proof of my phone number that is not on the account. I have provided the Police report of fraud, an affidavit, FTC report as well. 

These idiots sent me statements showing the fraud address, the incorrect name. Nothing matches me. Then they say this is your account and we hold you responsible. There is NO proof this is my account. It wont hold up in a court of law. I will be forced to sue for damages to my FICO score, and my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( Equifax, XXXX, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits.

Please advise.
Product: Money transfers

On XX/XX/XXXX I made an international transfer on line at bank of America as i have in the past. The funds were for a reservation at a vacation resort for myself and my family. Despite the fact that if I check on the bank website the transfer is completed, the funds were never received. 
Attempts tocall the bank at the number indicated were unsuccessful.
Product: Debt collection

XX/XX/XXXX Called Capital One. Agent ID XXXX was able to confirm that a debt with them was settled in XXXX. I have the CC # on file now. 

XX/XX/XXXX Shortly after the call, I got a " New Account Notice '' email from Secured Access Solutions to log into my account. I did not click on the link. 

XX/XX/XXXX XXXX Received multiple calls. When I tried to explain that the credit card was closed and CapitalOne suffered a data breach in XXXX. I asked them to provide proof of the debt and they told me that by the time they reach this point they don't have that sort of information, the person interrupted and continued to rudely say " stop talking '' in an intimidating manner. 

Date unknown : I received a suspicious call trying to collect a debt from a Capital One credit card. When I told them I needed proof they sent me an email with an amount due and no other information. I was told that " The Director '' would call me when I got back from lunch. I received no further communication and deleted the email as I always do with phishing attempts.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 


XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

-I made a settlement in XXXX of XXXX to XXXX XXXX They are still saying I owe them {$890.00}. I have proof and they still will not remove this from collections. 

-Regional Acceptance is stating I made a late payment in XX/XX/2023. I did not. 


According to the 15 U.S.C. 1681 law, there should not be any damages on my report. I am in the process of purchasing a home and I seen all of this still on my credit report!