23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report. 
Accounts Affected by the Crime
Product: Credit reporting or other personal consumer reports

I see a credit inquiry on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX late in the night and I dont request any credit inquiry.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have tried to solve a problem that I have with this company, where Experian on multiple occasions, they have sent me that the information is correct and accurate. 

I am attaching information where you can show in detail what I have repeatedly wanted this company, together with Experian, to solve. 

Any information that is reported in the personal credit must be accurate and precise as established by the FCRA, and the information for more than 8 months has been inaccurate negatively affecting my credit report and affecting my finances. 

The account was always paid on time and said company in the payment history from XX/XX/XXXX to XXXX of the same year did not obtain any type of payment history, so request that this information be verified and updated since the account was paid and was never in XXXX. 

I ask that an investigation be opened so that Experian, as responsible for sharing information in the credit, share correct and accurate information and that if this information can not be verified it is removed and do not continue to affect my credit in the way they do.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS ALLOWED SEVERAL UNAUTHORIZED AND INCORRECT PERSONAL INFORMATION TO REMAIN ON MY CREDIT REPORT, ALLOWING HARMFUL CREDIT BEHAVIOR AND VIOLATING THE FCRA. PLEASE SEE ATTACHED FTC REPORT
Product: Debt collection

I received a call on XX/XX/XXXX from an attorney that is wanting to serve court documents to appear in court and wanted me to speak to a debt collector with the number of ( XXXX ) XXXX and they want me to make a payment plan or the loan company is going to sue me. I called the loan company XXXX XXXX and they have my account but they said I don't owe them any money at all due to them changing companies. I then received a call again@XXXX on XX/XX/XXXX and the attorney wants to serve documents to me her number shows as scam likely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX  Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX : {$410.00} XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXX XXXX XXXX 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

XX/XX/XXXX I mailed a dispute letter to XXXX XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on BBB they also have over 100 complaints with the CFPB! 

THERE IS TWO DIFFERENT ACCOUNTS BALANCES WITH THE SAME EXACT ACCOUNT NUMBER BUT DIFFERENT OPEN DATES, HOW IS THIS OBVIOUS INACCURACY POSSIBLE? PLEASE DELETE ALL 3 ACCOUNTS
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my frustration, the late closed account and inquiries remains on my credit report, negatively impacting my creditworthiness and financial standing. 
This persistent issue has caused significant stress and hardship. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

# XXXX XXXX is reported as a closed collection account and marked as a derogatory after claiming an adequate investigation. It is not. It has been told to Trans union that this an account resolved and originated from ID theft. The negative impacts our standing for housing and other attempts at normal living
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of this inaccurate late payment from my account. My track record shows a consistent history of on-time payments, and it is unjust for me to face penalties for an error beyond my control. I kindly ask for an expedited update to my account to reflect the accurate information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at Show XXXX XXXXXXXX XXXX and XXXXXXXX XXXX , I am writing to formally demand that the credit bureaus XXXX XXXX XXXXXXXX XXXX and XXXX Bank update to accurately reflect the resolution of the following accounts : Account ending in XXXX ( Show Mastercard/Bryant State Bank ) XXXX This account was settled in full under the terms of an agreement negotiated through XXXX XXXX. As such, I demand that its status be updated with all three major credit reporting agencies ( XXXX, XXXX, and Equifax ) to reflect either " Paid in Full '' or an equivalent resolution, and that any reference to " charge-off '' be removed immediately. 

Account ending in XXXX ( XXXX Bank ) : This account is under a settlement agreement with installment payments, which I am fulfilling as agreed. The charge-off description is inaccurate and must be removed to accurately reflect the current resolution status. 

Despite fulfilling my obligations under the negotiated settlements, these accounts continue to reflect inaccurately on my credit profile, causing undue harm. This failure to update and ensure accurate reporting violates the Fair Credit Reporting Act ( FCRA ). Under the FCRA, as well as guidance enforced by the Consumer Financial Protection Bureau ( CFPB ), creditors are legally obligated to provide credit reporting agencies with accurate and up-to-date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00}.
Product: Money transfer, virtual currency, or money service

I invested money ( bitcoins ) with eToro, a trading company based in XXXX, with offices in New Jersey. It did well. I invested a total of about {$2000.00}. I anted to withdraw some of the profits several months ago. They wouldn't let me. Wanted me to upgrade to higher level. 
Which meant for me to send more money. 
I needed my money out so I told them to just close the account ( ACCT.No. XXXX ) and send me my money. They said it would take a few days, then two weeks. We are now approaching four weeks. They don't answer my emails, or calls. Seems that the are relentless in soliciting money but don't want to pay. Total they owe me is about {$4000.00}.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and found XXXX unauthorized inquires from XXXX back to back. I made Equifax aware they were unauthorized they keep telling me to call XXXX, who was absolutely no help at all. I have never done any business with XXXX and don't know they are.
Product: Credit card or prepaid card

I contacted Capital one and said my ex-wife opened a credit card in my name without my knowledge and used my routing number and account number I sent also FTC report, my report and my documents, when i contacted capital one the customer service said I can have a refund, but I didn't, the credit card just canceled and capital one never contacted me. I will talk with my lawyer to sue Capital on the last number of my credit card XXXX it's the second complaint and Capital one never helped me and never contacted me.
Product: Credit card or prepaid card

Capital One retaliated because of cancelation ... they recieved the XXXX that was owed them on time, but are trying to say it was late, and that now {$50.00} is owed
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account knowing as XXXX  credit/XXXX  To be fraud and totally inaccurate and therefore should not be on my report This account was open on XXXXXXXX XXXX in the amount of XXXX
Product: Prepaid card

XXXX attempted to used the card gifted to us XX/XX/XXXX - came up saying it was not authorized. 

XX/XX/XXXX called to the XXXX customer service number on the back. spoke to several people, refused to send to supervisor, after being asked. one person did attempt to help, and he was the one who advised me the card is registered to someone else and he was sorry. he didn't know how that could happen and the process to dispute. i went to the website, where I wasn't able to begin the process, it said the card was not valid and to call the XXXX number on the back of the card. 

I called for the last time XXXX call and demanded a supervisor who then told me that i couldn't use the website to put in the information to start the process to have this situation rectified, but that i had to... fax my ID now, the card front and back and the receipt ( which i have to call the gifter for, who will have to go back to XXXX XXXX to work with management there to obtain a copy, and the once this is all in ... they will in 30 days or so mail an updated card with the funds reissued. 

I was a total XXXX on the last two calls I made there. I am beyond irritated. Try telling a 5 and 10 yr old that the gift card that has their vacation spending money is not available for them for over 30+ days now when we won't be on vacation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I entered into a residential real estate purchase contract to sell my home. The contract requires that the seller furnish a XXXX XXXX report to the buyer within 5 days of the signing of the contract. I contacted Lexis/Nexis who administers and furnishes the reports on XXXX XX/XX/2019 as instructed by my insurer. I filled out the online report request form, and indicated I would like to receive the report via email. The online information provided after I filled out the form to obtain the report stated that the report would be mailed and I would receive it in 15 days. I then called the customer service line to try and obtain a copy of the XXXX XXXX report in a timely manner so that the contract to purchase my house could be finalized. I was informed by a customer service agent that Lexis/Nexis no longer provides report via email for security reasons and that there was no way to send the report to me faster than 15 days. I was told that this policy, of only using regular mail, was put into place about a month ago. I explained several times that this was jeopardizing my ability to fulfill my obligations under the residential real estate purchase contract. I asked to speak to a supervisor and was told that one was not available but that I could put in a request to receive a call back within 48 hours. This was not an acceptable resolution. 

XXXX has personal consumer data and/or information that I require to complete a contract. I was not notified of the change in policy and could not request my report in advance in anticipation of the contract. My claims history contained in the XXXX report is unreasonably being withheld from me and is likely to cause extreme financial harm to me. 

I would like the company to provide my report immediately and for the policy to be changed so that real estate contracts nationwide are not jeopardized by this unreasonable and unconscionable policy.
Product: Consumer Loan

I had a medical procedure two years ago and used XXXX to pay for my procedure. Monterey Financial created our loan. We have been paying our loan to them on a monthly basis. Monterey started showing on our credit report that we were past 30 days and we have only been past 30 days one time. I contacted Monterey several times asking for an audit and was not given XXXX. We disputed with credit bureaus and then received a contract to validatensure our debt. When we got it we noticed the amount financed on contract was not accurate. We contacted Monterey and was told the amount did not matter because we signed the contract and it was a binding contract and we were responsible to pay. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX  account US DEPT OF EDUCATION account # XXXX has violated my rights under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B
Product: Student loan

To Whom it May Concern, I am formally disputing the legitimacy of my student loan obligations with Advantage due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act ( HEA ). Based on these violations, I demand the immediate cancellation of all financial obligations related to these debts.

Legal Violations Supporting My Demand for Cancellation 1. FERPA Violations : My personal and financial information may have been disclosed without my consent to unauthorized third parties, violating my privacy rights.

Inaccurate or misleading loan records may have been maintained, and I was not given proper access to review and correct them.

2. Privacy Act of 1974 Violations : If my loan records were mishandled by the Department of Education or Advantage, it constitutes a violation of federal data protection laws.

If my Social Security Number or other personal information was shared without my authorization, my rights under the Privacy Act were infringed.

3. Higher Education Act Violations : If I was misled about loan terms, repayment obligations, or forgiveness options, it constitutes a violation under HEA.

If my school improperly certified my eligibility for loans or engaged in fraudulent practices, I should not be held responsible for this debt.

Additionally, it has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including Elon Musk or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreement under federal law.

Demands for Resolution Immediate and unconditional cancellation of all financial obligations associated with my student loans.

Complete removal of all Advantage-related entries from my credit report.

Written confirmation of this cancellation and credit correction within 30 days of receipt of this letter.

Failure to comply with this request will result in formal complaints being filed with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I expect a written response within the stipulated time frame and immediate corrective action regarding these violations.
Product: Debt collection

Re : MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting or other personal consumer reports

I notified XXXX and Experian XXXX XXXX  of the Idenity theft complaint to Remove and block all fraudulent accounts and relatable inquiries to these accounts. 
My complaint was not resolved under the FTC guidelines and laws. 
15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reports2.