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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court
Product: Credit reporting, credit repair services, or other personal consumer reports

ACH transactions from an account at XXXX XXXX ( {$900.00} on XXXX XXXX 2017,  {$1500.00} on XXXX XXXX 2017, and {$900.00} on XXXX XXXX 2017, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017 by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, XXXX. XXXX XXXX of XXXX of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, XXXX. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am formally disputing the following negative items on my credit report : 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 XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received results on my dispute being proven accurate, I think it is incorrect. My credit score dropped 38 points because of my student loan which shouldnt have happened because of the covid-19 pandemic, no loans are required to be paid until XXXX due to the CARES ACT, so my credit score should not have been negatively affected.
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 rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 USC 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. 

Also they aren't in compliance with Public Law 91-508 & Amendments or Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting delinquencies inaccurately on an account that is a forbearance status. Resulting in Derogatory reporting on my credit report by Transunion.
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.SCode 1681a ( 2 ) ( A ) ( i ). 

I did not give written consent or permission to any of the listed data furnishers to place the items in question on my credit report : XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it. 

On the date of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

I deposited a check into my account with chase Bank in XXXX XXXX. The check was deposited on XX/XX/2023 and collected the fund on XX/XX/2023 bank continued the hold. I called them on XXXX explained you have collected the funds. But the person who was handling the deposits. Told me the funds were not collected. I had proff the fund were collected 5 days ago. But she said that does not count we have our own rules. As of results they charged my account for insufficient funds overdraft which I had another check needed be paid on XXXX XXXX of XXXX. I believe bank do this systematically for Many account holders and place unnecessary hold on funds for its benefits helping bank cash flow and charge consumer for overdraft fees When should not.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX / EXPERIAN/ XXXX XXXX with Bank XXXX XXXX account # XXXX. Under the FCRA, my rights to privacy and control over the reporting of my credit information are clearly outlined and protected. 
Specifically, I would like to draw attention to two sections of the FCRA that have been infringed upon : In accordance with the fair credit reporting act account # XXXX, has violated my rights. 
1

5 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. 

Please, I urge you to contact the relevant credit bureaus immediately to request the removal of any potential negative entries related to this account. The presence of this information is hindering my financial prospects and access to financing.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX purchased a car from XXXX XXXX. XXXX  XXXX was the contract servicer. XXXX XXXX sold car loan to Veros Credit in the XXXX of XX/XX/year>. XXXX XXXX is still showing an open loan on my consumer report. If the loan was sold, It should show paid as agreed & or updated to be removed from consumer report. 
Veros Credit is reporting old payment history from XXXX XXXX that is incorrect. I did not sigh a contract with Veros Credit so how is it possible for them to report payment history from another company. 
How can Veros Credit report payment history from another car company.? 
I have also sent a Notice of Rescission : rescinding my security interest. I was not given the Notice to Rescind at the time of signing the contract with XXXX XXXX. 
XXXX XXXX was a credit transaction which means I can fill certain tax document to fulfil debt obligations. a 1099 C for cancellation of Debt because it is over {$600.00} ; and it is a bad debt. I have sent both companies a 1099 A- and 1099 C with no response. these forms have been filled with the IRS. 
Veros credit also just pulled my XXXX credit profile without my permission. 
Veros credit have been notified to stop reporting until this dispute is resolved. 
I also asked to Opt Out of reporting to my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX*Subject : ** Dispute of Fraudulent Accounts Dear To Whom It May Concern ], I am writing to formally dispute the following accounts that appear on my credit report as fraudulent. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Additionally, I have been living outside the United States since XXXX and could not have opened or used these accounts. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} These accounts were opened and used without my knowledge or consent, and the associated balances and activity are fraudulent. Your institutions failure to properly verify the identity of the individual ( s ) opening these accounts has caused significant harm to my credit report and financial standing. 

Under the **Fair Credit Reporting Act ( FCRA ) ** and other applicable laws, I am requesting the immediate investigation and removal of these accounts from my credit report. I expect a response within XXXX days**, as required by law. Failure to act within this timeframe will leave me no choice but to pursue legal action to hold your institution accountable for the damage caused by your negligence. 

To assist with your investigation, I am enclosing : - A copy of my government-issued ID ( e.g., passport ) - A copy of my credit report highlighting the fraudulent accounts Please confirm in writing that these accounts have been removed from my credit report and that no further collections or negative reporting will be associated with them. 

I trust this matter will be resolved promptly. Should you require further information or documentation, you may contact me via phone at XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a car accident where a woman run me over, I used to have a lawyer and he did a deal with the hospital that I had to pay XXXX for the whole bill because the total amount was XXXX. I have the letters from Medicaid that they paid for that and I did paid too. The accident was on XX/XX/2018 2018
Product: Debt collection

I am filing Bankruptcy. I have notified this agency and they continue to contact me via phone, and not contact my attorney.
Product: Debt collection

Midland Credit owns a debt from XXXX XXXX in my name. I beleive Midland Credit " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( XXXX ). I also beleive that Midland Credit " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.
Product: Credit card or prepaid card

My name is XXXX XXXX and I have a credit card with Discover. I was late multiple times in the past for about 5 months and would call Discover to notify them. Discover has promised to waive my late fees of {$39.00} and to my surprise my account has accrued multiple late fees ( seems like 5-6 ), there isn't even record that I or my fiancee XXXX XXXX XXXX called them regarding my fees. I called Discover today when I discovered the fees on my account and they only removed one fee ( most recent ). In the past, their collections department would call me from an XXXX area code and the terms were If I had made a significant payment or a payment to get the account to good standing, they would waive my late fees. Clearly, for the past 6 months I have been lied to and fees were not waived. Discover claims that no one spoke with me. Yet just today, their associate promised to waive a fee and a manager took the call by the name of XXXX and he said that he couldn't waive it. I told him the previous associate said she would and he said that he had no record of that. Then he said that yes, he did see it on notes. I feel I have been lied to by Discovwer just to collect money from me. I want my late fees returned as they agreed.
Product: Prepaid card

I filed a dispute the company had refunded the money and I have a copy of the receipt and my bank tells me they have no clue what Im talking about. No one can seem to tell me where XXXX $ is at
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report. even after your investigation. i would like this item removed immediately re-investigated. the inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX member id XXXX Loan # XXXX in accordance with the fair credit reporting act, public law 91-506, Title Vl, section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 Balance : {$140.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I'm reaching out in reference to the 3 major Credit Reporting Agencies who've been treating me with unfairness. I've contacted XXXX, Equifax and XXXX in writing as well as over the phone and requested that XXXX, XXXX and Equifax do an investigation on the hard inquires that furnishing my credit report, because they may be violating several laws that the federal law protects me against. XXXX, XXXX and Equifax are in violation of : 1. Civil Liability for Willful Noncompliance ( 15 U.S Code 1681n ) 2. Exclusions 15 U.S Code 1681a ( 2 ) The Federal law is above all laws and these 3 credit bureaus refused to comply with the law. Having these hard inquiries on my credit report has been stopping me from getting approved for housing for my XXXX children and me. I'm suffering from XXXX and XXXX because of my consumer report that's reporting transactions that I have the right of privacy to as well as transactions I never have consent to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can't get housing for my kids because of the hard inquires furnishing my credit report. I want to get this matter taking care of, and if it doesn't, I'll will go public and publish my book explaining how I'm now XXXX XXXX because of the credit bureaus acts of unfairness. Listed below is the hard inquires that's furnishing my credit report. 




XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX