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

In accordance with the Fair Credit Reporting Act XXXX These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 A. states that a consumer reporting agency can not furnish a account without my written permission.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Title : Dispute for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) by Experian Description of the Issue : On XX/XX/XXXX, I submitted a formal dispute letter to Experian 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  XXXX 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 Experian : 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. 

I hope the CFPB will investigate this matter and take the necessary actions to ensure that Experian complies with federal laws. I am available to provide any additional information required. 
Sincerely, XXXX XXXX
Product: Debt collection

I have been a victim of identity theft starting in 2017. This company called Sun Loan Company has a loan balance that was fraudulently open in the amount of {$460.00} XXXX noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to XXXX because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dispute of Credit XXXX XXXX XXXX XXXX FCRA Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the credit reporting practices and failure to comply with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, related to negligence in reporting accurate information. I have reason to believe that your company has failed to fulfill its obligations as a consumer reporting agency ( CRA ), and as a result, I am requesting immediate action to remedy the situation.

Specific Allegations : Failure to Provide Accurate Information : As per FCRA Section 1681o, a consumer reporting agency is liable for negligence in failing to maintain or report accurate credit information. I have discovered discrepancies and inaccuracies in my credit report, which I believe your company has failed to rectify in a timely manner despite prior notifications of these issues. 
Negligent Reporting Practices : It is my understanding that your company is required to follow reasonable procedures to ensure the accuracy and completeness of the information in my credit file. However, the data you have provided contains inaccuracies that are not only misleading but also damaging to my creditworthiness.

Failure to Investigate Disputes Promptly : I previously submitted a dispute regarding the erroneous information, but I believe your investigation into the matter was insufficient, delayed, or outright ignored, which constitutes negligence under Section 1681o. The failure to conduct a thorough investigation has caused ongoing harm to my financial reputation.

Request for Resolution : I respectfully request that you take the following actions in accordance with the FCRA : Immediate Correction of Inaccurate Information : Please update or remove the erroneous items from my credit report, as I believe they are inaccurate, misleading, or incomplete.

Written Confirmation : Upon resolution, kindly provide written confirmation that these inaccuracies have been corrected and that my credit report has been updated accordingly.

Failure to Comply Notice : If your investigation determines that these discrepancies can not be corrected or resolved, I require a full explanation as to why your organization has failed to meet the standards outlined in Section 1681o of the FCRA, which holds parties responsible for negligent reporting and failure to act.

Please note that under the provisions of Section 1681o of the FCRA, I may be entitled to seek civil damages as a result of your companys negligence, including actual damages, statutory damages, and attorneys fees if this matter is not resolved in a timely manner. 

I expect to receive a response to this dispute within 30 days as required by the FCRA. If you need any additional documentation or further information, please feel free to contact me via email XXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/23 I was contacted at XXXX XXXX about an account listed with AR Strat at a dollar value of about {$420.00} for services from XXXX I had previously received a call from them on XX/XX/ at approximately XXXXXXXX XXXX, which I ignored, as I did not recognize the number. I XXXX searched the number and it was from AR Strat, a debt collection agency. I then reached out to XXXX XXXX to confirm that my account was active with them and in good standing. They confirmed that it was and said they would reach out to AR Strat to make sure that my account was canceled back to XXXX XXXX. I asked for mailed evidence that the error had been corrected, which I never received. However, I have received a paper statement from XXXX XXXX confirming that my account is active with them and the amount of {$50.00} per month was being paid. I have received no mail from AR Strat and have disputed the charge and requested evidence of their error and proof it has been corrected. I called AR Strat back at around XXXX on XX/XX/ to confirm that they had sent the account back to XXXX XXXX. They had no notes showing any contact with their client, XXXX XXXX. I reached out to XXXX XXXX, and they confirmed again that my account was with them and in good standing. I am currently waiting for a call from their XXXX XXXX employee as well as their CFO. In the meantime, I reached back out to AR Strat to gather more information and speak with their Compliance Officer about the error. They told me they do not have a Compliance Officer on staff, at which point I informed them I would be making a complaint to the CFPB as they have no employee tasked with compliance oversight currently. They said that they had duplicated my account during a system update and had two identical accounts in their system with my information attached. One that had been canceled back and one that was active in their system. This is completely unacceptable ; I am not able to afford to pay double on any bill and would not pay twice even if I could afford it. I would have been financially injured had I not known the debt was in error and charged it to a credit card or found a way to pay it using loans or by selling personal items. As it stands, I have still had to devote several hours of working time to trying to sort out a mess I have not caused. Were this to credit report I may find myself financially crippled for years to come. 
I have been told that their operations manager was unavailable but was given the name XXXX XXXX at XXXX to leave a message for as well. I left a message for her at approximately XXXXXXXX XXXX on XX/XX/ informing her of the issues and my reaching out with a complaint to the CFPB. 
Attached to this complaint please find photos of my most recent statement from XXXX XXXX.
Product: Debt collection

XX/XX/2017, I placed an order with XXXX via XXXX ; leasing a new device, and establishing a line of service ending in XXXX. I was migrating my existing line and existing device from a company line to a personal line. I ended the company line. I was given a temporary line ( XXXX ) while they completed the migration of my existing line, and was told upon completion it would replace the temporary line. 

That did not happen. The customer service representative kept a second line open against my permission, Then made it look like I requested cancellation so Id be charged an Early Termination Fee. I contacted XXXX XX/XX/2017 and reported their error. I was then told I was responsible for the early termination fee. Of course I refused due to their misstep in transferring my service. They would not fix it. So I made a complaint to the Better Business Bureau. Complaint # XXXX. I spoke to XXXX several times via email about my complaint. He lied to BBB saying he never heard from me, which automatically closes the case and the account went to collections for {$440.00}. I. C. Systems, Inc then increased the charge to {$460.00}. Which is illegal. 

I have the emails of correspondence which I will attach. I would like this collection account deleted immediately from my XXXX credit report and never added again to any of my credit history with all three bureaus. The fact they did not own their mistake and then the collection agency taxing on more money is horrible. 

I have disputed several times over the years to no avail. I recently discovered CFPB so here I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer solutions Is still negatively reporting XXXX  XXXX And XXXX XXXX on my credit Report. These two Account need to be removed from XXXX Credit report immediately I have sent numerous letters They never provide me the original contract, Credit disclosure, balance history, Credit insurance
Product: Credit card or prepaid card

I have called myself, I have paid every time, I am affected by the pandemic, my credit was affected, but I still met my payments, I paid my promotional payments in full and they also closed my account, they closed four accounts in their totality of the financial SINCRONARY ROOM TO GO ACCOUNT NUMBER ENDING XXXX  XXXX XXXX SYNCONRARY BANK ACCOUNT BANK NUMBER ENDING IN XXXX GUITAR CENTER SINCRONARY BANK ACCOUNT  BANK NUMBER ENDING XXXX  ON DAY XXXX XXXX PAY the totality of the XXXX XXXX house price for a value greater than XXXX dollars I have never abused the account I have a payment history where I have always complied Furthermore, the same Financier gives me credit in the XXXX XXXX and in AMAZON and in them it has not closed me, this affects my credit even more and where I am raising before that horrible Pandemic that affects the entire planet and our country in particular, being very affected The XXXX XXXX that I own and have not closed despite the adverse moments, I consider that I have honored the debt and that they should NOT CLOSE THE ACCOUNTS AND THEY SHOULD CONSIDER.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} PXXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX {$1700.00} XXXX XXXX XXXX  {$3500.00}
Product: Debt collection

A couple weeks ago this company put collections on both my XXXX XXXX and XXXX credit reports - MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX  I have no knowledge of this debt, and no one from this company has attempted to contact me before reporting it to the credit bureaus.

I have tried to contact the company, and it seems like a complete scam. No one answers the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Midland Credit Management about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from Midland Credit management to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$840.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been sending disputes regarding this issue but still, it reflects on my credit report. I did not make this charge. 
Date Opened : XX/XX/2005 Amount : {$550000.00}
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a visa debit card with net-spend. On XXXX XXXX, 2016 XXXX fraudulent money transfers was made on my account by an individual I do not know. Net spend would only say the individual name was XXXX XXXX. At XXXX this individual withdrew {$350.00} from my account. I called and reported the fraudulent activity and the representative XXXX, told me that my account would be blocked and I was given a dispute number. One hour later the same individual withdrew more money from my account. Again I called and was given a dispute number and told my account would be blocked. I filed a dispute and sent in all requested documents, including a police report for identity theft. After waiting 10 business days I was informed that there was nothing that they could do because the individual had all my information to transfer my funds. Even after I filed a police report they did nothing to retrieve my funds which had been stolen from my account.
Product: Debt collection

AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and delete the disputed items as soon as possible.