23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MY MAILBOX SYSTEM HAD ALOT OF POSTAL ISSUES AND I ALREADY CALLED AND SPOKE TO POSTAL MASTER OF MISSING ULTILTY BILLS.I recieved email last week from XXXX about possible data breach from 2014. And to contact all credit reporting agencies. 
SoFi account is not mine. I HAD PULLED MY CREDIT REPORT, WHICH I DO EVERY 6 MONTHS.I WORK MANY HOURS FOR THE GOVERNMENT. 
I ALSO WROTE THE XXXX OFFICE AND FTC IN RESPONSE. 
I have no knowledge of it, no legal obligation for it and no information as to its origin. 
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT. 


I got this bill and I just want to verify, validate that this bill is something that I owe. '' You know in these times of all this identity theft online and so on, this is just reasonable, good book keeping, okay? You sent me this? That does n't mean I owe it. I just want you to prove that I owe this bill. That 's all I 'm doing. I 'm not being confrontational. I just want you to prove it the way the law says you have to prove it. I sent you a letter asking you to send me the correct documentation within 30 days that validates the debt. That 's the rule, that if I owe this bill. Here 's the issue. For any debt by a lending institution, you can not send me the information that I do in fact owe you. You ca n't send it to me because you do n't have it, okay? I got some bill in the mail, and there is something on my credit report. That 's kind of like a bill because it 's saying on my credit report there 's this derogatory account. In other words, a derogatory account or any listing of a tradeline account active is that someone 's saying I owe this bill and you have n't paid us yet. So whether it 's a bill that comes in the mail or something on my credit report that 's negative, that 's another kind of a bill, all I am doing in now is basically this. I am asking you for the accounting records of this trade. 


The accounting records will show, legally, I gave you a promissory note and you gave me Federal Reserve notes. There was a debit entry into the accounting. There was a credit entry into the accounting. They cancelled each other out, debit for credit, credit for debit. The transaction was complete when the notes were traded. I do not owe you a penny. Your accounting records prove it. All I 'm asking for is that proof : " Could you show me your accounting records and that contract, the wet ink signature contract, or a copy of the contract that is affidavited? '' What does that mean, affidavited? In other words, somebody has to make a copy, then sign at the bottom, I made this copy and their signature is notarized. All I 'm asking is, " Please show me I how I owe this. I do n't owe this? Well then you 're a fraud. You owe me money. It 's really simple. '' Court trying to explain to the judge the " Original Signiture Agreement '' and Affidavit showing entry.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, pa XXXX **Ally Financial** XXXX XXXX XXXX XXXX, MN XXXX **Subject : ** Request for Account Deletion Disputed Account To Whom It May Concern, I am writing to formally dispute the reporting of the account listed below on my credit report. I believe this information is inaccurate and/or incomplete and should be removed. 

- **Creditor Name : ** Ally Financial - **Date Reported Closed : ** XX/XX/year> **Reason for Dispute : ** 1. The account shows a payment history of being late for several months ; however, the account status is marked as " Paid. '' This inconsistency raises questions about the accuracy of the reporting. 
2. The remarks state, Consumer disputes after resolution, but it appears the account still contains unresolved inaccuracies affecting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is erroneous or unverifiable. Please investigate this matter, verify the accuracy of the account details with the original creditor, and provide me with supporting documentation to validate the accuracy of this account. If you can not verify the information, I request that you delete the account entirely from my credit report. 

Attached, I have included a copy of my identification and a copy of my credit report highlighting the account in question for your reference. 

I expect a resolution to this matter within 30 days as required under the FCRA. Please notify me of your findings in writing and provide an updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need further information, I can be reached at XXXX XXXX XXXX XXXX. 

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

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- OneMain Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which XXXX consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : OneMain Inquiry Date : XX/XX/2022 Credit Bureau : [ Specify the credit bureau where the inquiry is listed ] Basis for Dispute : Upon careful examination of my credit report, I can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with OneMain on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed. 

Requested Actions : I kindly request the following actions in accordance with FCRA guidelines :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : XXXX XXXX XXXX AV XXXX XXXX, AR XXXX XXXX XXXX XXXX AV XXXX XXXX, AK XXXX
Product: Vehicle loan or lease

In XXXX of 2020 I purchased XXXX vehicles from volkswagen of XXXX XXXX XXXX.On this date this company was in violation of 15 usc 1605 ( a ) 1-5.Definition of finance charge.This finance charge was never explained nor used as it should be, and I as a creditor extending my credit and as a consumer was violated according to this law.truth In lending act was never followed and this company committed fraud in accordance to 15 usc 1605 1-5 ( finance charge ) and 15 11611 1-3. ( willlful and knowing violation ) .15 usc 1605 ( a ) states, '' the finance charge shall not include charges of a type payable in a comparable cash transaction '' .this company has been charging me and took a down-payment when I bought the vehicles when my extension of credit has already purchased the vehicle according to law.
Product: Mortgage

I received a pre-approval letter, found a home to purchase, signed a contract to purchase the home, paid appraisal fees, received home loan payment amount, and got a call stating, " underwriting did not approve the loan based on 1099 negative income. '' This should have been verified before the pre-approval letter. Tried several times contracting the mortgage company for a written letter, but no response. No ones from Freedom Mortgage Company will return my call. Never received a refund for my appraisal fees. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2018 I submitted a complaint against XXXX XXXX XXXX   XXXX for a debt that was not verified. The company responded stating they had sent debt verification and the debt was valid. As of this date, I still have not received validation of the debt other than an invoice received, on their letterhead, showing the amount due. I have received no copies of the original invoices, no proof that the company is legally entitled to collect the debt, no proof that the company is contractually able to collect the debt on behalf of the original creditor, nor proof that the debt belongs to me. The company continues to falsely claim that they have met their oblications under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Account charged off. {$370.00} written off. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} XXXX XXXX account. {$7.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$550.00} Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX. {$650.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$110.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. $ FCRA violations : payments never late XXXX  Potentially negative Date XXXX XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  debt collection Experian Account # : XXXX These companies is reporting fraudulent, and inaccurate information on my credit report. 
I have requested multiple times that they provide the requested records and documents to show full ownership of such account so I may review to see if this is actually an account that belongs to me. 

Please provide me with the required requested records and documents : Purchase agreement Investigation reports Consent to furnish this information disclosure Please send me the documents, explaining what you have done to : Start collection activities against me Inform the Weather account was open that the result of identity theft/Fraud Start reporting information about the debt to credit reporting agencies If youre already reported the debt to credit reporting agencies notify them that the death is the result of identity theft/Fraud Please provide me with the records any documents I requested.!! 

FCRA : Treatment of inaccurate or an unverified information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or cant be verified, the consumer reporting agency shall ( I ) Promptly delete that item of information from the file of the consumer, or modify the item of information as appropriate based on the results of the reinvestigation. 

( II ) Promptly, notify the furnishings of the information that the information has been deleted, or modified from the file of consumer. 

Sincerely, XXXX XXXX XXXX, XXXX I have supporting evidence if needed Enclosures : FTC Identity Report Proof of Identity Notice to Furnishes of Information
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), as I am a victim of a data breach. These accounts and inquiries are the result of unauthorized access to my personal information, and I request their immediate removal from my credit file. 
The following unauthorized accounts should be blocked and deleted : Accounts : XXXX. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$470.00} Inquiries : XXXX. AN XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX OF XXXX o Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX o Date of XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unresolved accounts on my credit report with XXXX, XXXX, and Equifax. Despite my efforts to resolve these issues, the accounts remain inaccurately reported, and investigations have not been properly conducted. 

On multiple occasions, I contacted the companies associated with these accounts to verify their status. Each company confirmed that the accounts were paid in full and, in some cases, agreed to remove the accounts from my credit report as per their policies. However, despite submitting proof of payment and corresponding directly with these companies, the accounts remain on my credit report, and the bureaus have failed to update or remove them. 

# # # Specific Concerns : XXXX. **XXXX  Investigation Issue : ** XXXX completed its investigation in less than 24 hours, claiming the accounts were verified, despite the fact that I contacted each creditor directly, and none reported receiving verification requests from XXXX. 
- I request that these accounts be reviewed again and removed as they were not properly verified. 

2. XXXX XXXX XXXX XXXX : ** - I contacted XXXX XXXX on XX/XX/XXXX, regarding an account falsely reported as having a co-signer and an outstanding balance. 
- XXXX XXXX confirmed the account was fully paid off in XXXX or XXXX. Despite assurances from a supervisor that the account would be removed, the letter I received only stated the account was paid off, with no indication of removal. 
- This account is negatively impacting my ability to secure loans, and I ask that it be deleted from my report. 

3. **Other Paid Accounts : ** The following accounts were paid in full, with payment confirmations provided, yet they remain inaccurately reported : - **XXXX XXXX XXXX XXXX XXXX, {$51.00}, paid XX/XX/XXXX ) - XXXX XXXX XXXX ( {$500.00} XXXX paid XX/XX/XXXX, Confirmation # XXXX ) - XXXX XXXX XXXX  ( XXXX  XXXX, {$480.00}, paid XX/XX/XXXX ) - **XXXX** ( {$150.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX** ( {$1400.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX {$4700.00} balance, {$2500.00} paid XX/XX/XXXX ) - XXXX XXXX XXXX** ( {$260.00}, paid XX/XX/XXXX ) - XXXX XXXX accounts, paid XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was misled by both a XXXX XXXX and the reporting company that this transaction wouldn't affect my credit whatsoever. Since then the reporting company has been reporting to credit report.
Product: Credit card

I applied for and was approved for XXXX credit cards with usaa on the same day, XXXX Visa and XXXX XXXX. Usaa opened a second Visa account without my approval the very next day. I did not apply for this card and usaa has no record of the application. When I brought it to their attention they seemed to push me into just keeping the account which seemed odd. After I made it clear I did n't want the card they pushed closing the card. I was explicitly clear that I did not want the account closed because it would hurt my credit report. I wanted them to get rid of the card without it hurting me. Fast forward and they flagged the account for fraud and close it without my consent. Their was no fraud, they know it was n't fraud, and I believe they either made a mistake in opening the account or they purposely opened a new account without my consent. Me, I 've been saying all along that this feels very XXXX XXXX. Now I 'm locked out online for at least 48 hours. At least. With usaa that is a big deal because there are no physical branches. I need a resolution to this because I 'm the XXXX hurting for there actions.
Product: Mortgage

I enrolled on auto pay several years ago and it had been working fine until recently when I had the need to switch financial institutions. On XX/XX/2021, I informed PHH Mortgage that the auto pay needed to be changed to a new financial institution. I informed them via online through their website and also by phone, speaking with an agent. For the next two months including the present, this mortgage company has failed to make the changes and have continued to submit the auto payments to my old financial institution which has declined to make the payments and returned them. Every time they return the payments, PHH mortgage re submits them and once again I get charged fees. I have spent countless hours on the phone with them trying in vain to rectify the situation. I get put on long holds and when someone live talks to me, it is very hard to communicate due to the agent 's limited english language skills. Their website is inefficient and has likely not been updated, not allowing the consumer to conduct any business in it. I have spoken with several " agents '' who have promised me to take care of the issue but the problems still persist. My old financial institution has not been of much assistance either and has only reversed some of the fees but not all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an address on my credit report on more than one occasion and the address is still reporting on my credit report. On or around XX/XX/2021 I sent another request along with a Sworn Statement ( JURAT ) with a seal that states this is not my address and Experian ignored this request as well. They also did not provide any information that I requested to substantiate ignoring my previous and current request. I believe my Sworn Statement ( JURAT ) that can be held up in Federal Court is more than proof this is not and never has been my address. Experian received my last request on XX/XX/2021 at XXXX XXXX. I am not sure why, but I believe that Experian is biased towards me as they often ignore my disputes. XXXX XXXX is in charge of my account at Experian.
Product: Credit reporting or other personal consumer reports

I sent in a dispute letter to Equifax for removal of fraudulent account XXXX XXXX XXXX Bank for the amount of {$7900.00} that was opened on XX/XX/year>, which Equifax refuse to remove, which I was sent a letter stating the account was verified. The account could not have been verified because I never opened or authorized for this account to be opened. I was sent a letter from XXXX XXXX XXXX bank after contacting them about this matter, which stating that I would not be responsible for the account above due to their investigation finding me not liable, which I provided to Equifax along with my FTC report and identification. Equifax continues to lie about their investigation about verifying the fraudulent account above and continues to send computer generated letters. If proper investigation with completeness and accuracy per 15 U.S.C 1681e ( b ), Equifax would have found that the account does not belong to me. I provided all documentation that was requested to Equifax. I have disputed this account several times, and request for this account to be removed.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank Usa NA. XXXX XX/XX/XXXX, Closed XX/XX/XXXX. 
Account Number : XXXX It has been years since this been on my credit report for XXXX XXXX XXXX XXXX. The charges of XXXX, That was not authorize by me. My card was stolen. This is unacceptable. Please remove.
Product: Debt collection

On XX/XX/2019, I reviewed my credit report that shows a collection that I never received a bill or notice to collect debt. 

On XX/XX/2019, I submitted a letter, certified mail, to Conserve collection agency disputing and requesting validation of this debt within 30 days. ( Letter is attached ) On XX/XX/2019 Conserve receive this letter. ( Certified Mail Receipt attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Cradit Reporting Act : ACCOUNT NAME : XXXX XXXX XXXX. ACCOUNT NUMBER : XXXX. ACCOUNT NAME : XXXX XXXX XXXX  : ACCOUNT NUMBER : XXXX. ACCOUT NAME : XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX XXXX XXXX : ACCOUNT NUMBER : 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 account without my written instructions.