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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I have had to contact the Consumer Financial Protection Bureau over this issue. Here is my story : Transunion had a computer breach that violated consumers under Section  611 of the FCRA. I have been gravely affected. My credit score i s being affected in an extremely negative way as a result. This computer glitch caused all of my inquiries to be deleted. As a result, my  credit score increased. The next week, without notification, Transunion reinserted all of these inquiries, in dire ct violation of Section 611 of the FCRA. I spoke with several different reps. Each rep acknowledged the security breaches which occurred in both  XXXX  and  XXXX , but refused to correct Transunion 's violation of my rights.   I contacted the  Consumer Financial Protection Board , and as a result, Transunion deleted some of the inquires, but not all. My rights are still being violated. I am turning to you once again, in an effort to correct this egregious situation. I am requesting that the below listed inquiries, which were included in my original complaint, be deleted from my credit report.  <P/>  XXXX -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX   XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/XXXX ,   XX/XX/XXXX   XXXX - XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX    XXXX  via  XXXX   XXXX   XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX XXXX I have not signed any documentation from said company. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I requested credit reports from all three bureaus. I'm XXXX and XXXX. I found this on my Experian credit report. I'm still going through the reports, and there are a lot of fraudulent accounts. Please remove this account from my report. It is hurting my ability to obtain credit. This is disqualifying me from obtaining a government-backed loan to qualify for a loan for housing. 

Experian also has my name misspelled on my credit report. It should be XXXX XXXX XXXX. 

Also, more inquiries that I didn't initiate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your help.
Product: Debt collection

Caller, XXXX, phoned on Sunday. I asked her to please not call on Sunday. She ignored my request and kept on talking. I tried on at lease two occasions to interrupt and then asked to speak to supervisor. I was connected to supervisor who told me I would be removed from call list. I believe I was a victim of harassment on XXXX part in that she talked over me and ignored my request to not be called on Sunday, a religious day of rest from conducting business.
Product: Credit card or prepaid card

Hi, I am contacting the CFPB on behalf of SYNCB/Care credit under account # XXXX. There are wrongly reported late payments for XX/XX/XXXX, and XX/XX/XXXX, please see the enclosed documentation.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance : {$340.00} and XXXX  XXXX XXXX Balance : {$520.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX  XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted XXXX XXXX in XXXX Florida to apply for a XXXX day XXXX night XXXX XXXX ( dual diagnosis : XXXX and XXXX usage ) for my XXXXr. After discussing the issue at hand, medical history and previous history, she was accepted. I used my Citi Bank Visa to pay {$14000.00} for this XXXX DAY/ XXXX NIGHT XXXX XXXX which was non refundable. 

But, XXXX XXXX DID NOT fulfill their contract! SHE DID NOT RECEIVE XXXX days XXXX XXXX nights  of treatment. IN FACXXXX, she received less than XXXX week! She arrived on XX/XX/XXXX and on XX/XX/XXXX, XXXX XXXX XXXX XXXX " her and sent her to XXXX  XXXX where spent XXXX days ( at OUR expense ). She returned to XXXX XXXX for XXXX NIGHT on XX/XX/XXXX and on XX/XX/XXXX, her husband was notified they were sending her to a smaller facility, " right up the road ''. Well, this facility, XXXX XXXX, is located XXXX hours away in XXXX XXXX. Upon the credentials of XXXX XXXX, I would have NEVER sent her to this facility. At any rate, it is a FACT she was given a medication at XXXX XXXX that XXXX KNEW she is allergic to ( XXXX ). Certainly XXXX should have transferred her records. On XX/XX/XXXX, she was " XXXX XXXX '' AGAIN and this time sent to XXXX XXXX XXXX XXXX for nearly XXXX WEEKS -- AGAIN AT OUR EXPENSE. 

I have TRIED for months to dispute this charge with both XXXX and Citi Bank. I told them I would be willing to pay {$2500.00} for XXXX days but I am NOT willing to pay {$14000.00} because we DID NOT RECEIVE SERVICES. Citi Bank stands by XXXX and will not help with recover our money because the Invoice I signed states NON REFUNDABLE. Was it not reasonable of me to expect the services that I PAID FOR to be rendered?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. Please delete.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$740.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3100.00}
Product: Debt collection

XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report. This has been submitted over to a collection agency which I have no knowledge of CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Debt collection

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
CONNEXUS CU XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Product: Prepaid card

Individualized Review Process ( IRP ) Individualized Review Process ( IRP ) Independently administered by XXXX XXXX I submitted a request for additional compensation, which was met with a request for further documentation. I uploaded one document and submitted it ; however, I did not want to limit my submission to just that single document, as I had much more evidence to support my case. Unfortunately, the instructions regarding the order in which documents should be submitted were not specified anywhere, and now I find myself having to wait for my claim to be reviewed without these crucial documents. This policy seems unfair. It feels like yet another predatory move by Bank of America to evade its obligations to the consumers it has harmed. I hope the CFPB intervenes to put an end to these practices, where even the slightest mistake by the consumer can disqualify them from compensation.
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Product: Credit reporting or other personal consumer reports

Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Transunion Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Transunion requesting the removal of fraudulent information from my credit report. This request was made in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681c-2, 15 U.S.C. 1681i ( 7 ), and 15 U.S.C. 609 ( a ) ( 2 ). I provided adequate evidence, including an identity theft report, to support my request. 

However, the bureau categorized my dispute as frivolous, a response that I find inappropriate and unlawful under the standards set by the FCRA. Additionally, they failed to meet the legal requirements to : 1. Provide a detailed description of the reinvestigation procedures performed. 
2. Produce physical evidence of original contracts bearing my signature to substantiate the validity of the disputed accounts. 
3. Block the fraudulent account within four business days of receiving my identity theft report. 

Information Related to the Dispute : : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This account is the result of identity theft, and their presence on my credit report violates my rights as a consumer. Despite my efforts to resolve this matter directly with the bureau, no significant action has been taken to correct the inaccurate information, causing financial and emotional harm. 

How This Issue Affects Me : The incorrect and unverified information on my credit report has negatively impacted my credit score, making it difficult to access legitimate credit and causing financial and personal stress. 

What Resolution I Am Seeking : I request that the CFPB intervene to ensure that Transunion : 1. Immediately removes the fraudulent account from my credit report. 
2. Provides a detailed description of the procedures used to investigate my dispute. 
3. Complies with the provisions of the FCRA, including blocking fraudulent information within four business days of receiving my identity theft report. 
4. Ensures their practices adhere to federal laws to protect consumer rights. 

Attached Documentation : I am including copies of the following documents to support my complaint : Identity theft report. 
Additional evidence related to the disputed accounts. 
Identity affidavit. 


Conclusion : I hope the CFPB will investigate this matter and take the necessary actions to ensure that Transunion complies with federal laws. I am available to provide any additional information required. 

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

This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
Product: Credit card or prepaid card

WELLS FARGO closed my consumer credit card account and refused to release the funds to offset the debt. This is a direct violation of 12 CFR 1026t.11 and my consumer rights. This account is subject to 18 USC 8 and the debt is not my debt. 

This is a notice of a billing error.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XXXX XXXX I gave my wallet to my attorney at the time to give to my family and instead he charged all of my accounts for his services with out anyone consent. I was under the impression that my nephew was present and gave him the consent to charge the accounts, but he never did the attorney XXXX XXXX XXXX of XXXX XXXX and XXXX took the liberty to charge the accounts him self {$15000.00} in total over 3 different accounts. Let alone he never preformed the services as he was fired before he could do anything. I had someone file charge backs regarding the accounts fraudulent charges and services not rendered and not one of the 3 banks ever made contact with me and ruled in the attorneys favor as he provided false documents to support his account of activity. The receipt he provided was dated XXXX XXXX XXXX charged at midnight and there is not anyone signature. I am waiting on finial results from Capital One Silver Credit Card and XXXX XXXX, However Capital One 360 has ruled there is not an error and finalized a decision in the attorneys favor with out ever looking over the documents or confirming a signature. XXXX, XXXX XXXX requires a signature for charges or {$50.00} there is not any body 's signature on the receipts. Please help in this matter it is not the first time I had a dispute with Capital One 360 where they never investigated the matter correctly and favored the vendor.
Product: Credit reporting or other personal consumer reports

To whom it may concern : THD/CBNA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving XXXX  days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or delete them immediately