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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a cash advance on my XXXX XXXX XXXX credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted XXXX XXXX XXXX and Equifax and received poor treatment and a total failure to explain why such a massive impact to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent accounts on my credit report. These accounts were opened without my authorization, and I demand their immediate removal. 

The fraudulent accounts in question are as follows : XX/XX/XXXX XX/XX/XXXXThese accounts are not mine, and I am a victim of identity theft. Enclosed with this letter, you will find a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which substantiates my claim, along with a copy of my government-issued identification and proof of address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I expect you to conduct a thorough investigation, remove these fraudulent accounts from my credit file, and send me a corrected credit report reflecting these changes. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Please confirm receipt of this letter and provide updates on the status of your investigation. You may contact me at the email address or phone number listed above if you require additional information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 

Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 


I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 
Communication I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 
Compensation Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the very begining of the loan, the due dates were set for the XXXX of each month. 
here in XX/XX/2020 Experian shows two late payments witch is not correct, there have NOT been any lates. 
late payment fees added upon top of wrongful charge of being late initially is just wrong.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Midland credit management is trying to collect a debt that is now past the statue of limitations
Product: Credit card or prepaid card

How is this even legal? I received an offer from CapitalOne for 30.49 % interest. 

I want to know why the government is not protecting us against predatory credit card offers from United States banks. 

I will be asking the same thing of my congress people. 
Thank you.
Product: Debt collection

CMRE Financial Services , INC, acting on behalf of XXXX XXXX XXXX XXXX, XXXX, Texas, reported to my credit agency that I had not paid a medical bill ( {$1200.00} ). The adverse report decimated my credit score and I will very likely be unable to purchase the house I was intending to buy this year. Also, I am currently going through a routine background investigation for work with the federal government that will now include a massive drop in financial score and delinquent account. 

The doctor billed the wrong insurance company. The office billed the VA rather than XXXX. I was not notified nor did I have the opportunity to resolve this prior to the debt collector taking action against me. 

My life has been ruined by a measly medical bill not being billed correctly by XXXX XXXX and not researched by CMRE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX, XXXX  CARD, XXXX/XXXX, XXXX XXXX XXXX as XXXX on my Identity Theft Report attached.. Please remove all from my credit report
Product: Debt collection

To whom it may concern, This is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included on my credit profile due to its damaging effects on my credit standing. I have been wrongly denied credit recently which was very stressful for me. 

This inaccurate is a mistake on either your, or the reporting creditor 's part.
Product: Debt collection

Today XX/XX/2020 some company names Troy Capital , LLC, attorney XXXX XXXX XXXX XXXX, froze my bank account for some kind of debit that I don't know about.. Then they filed a lawsuit against us to which we knew nothing about. I tired calling the attorneys office and they cant give me any information about the case : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXXl 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 can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THEFT XXXX ) XXXX XXXX  : OPENED XXXX CHARGE-OFF XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT
Product: Debt collection

I tried to contact the company about this illegal debt they're trying to collect from me the representative used abusive language and threaten to place this on my credit report which I have a lock on all all three major credit bureaus my information was compromised with XXXX  and my email account with XXXX  also and I think these people got my information illegally the name of the company XXXX XXXX their number is XXXX   XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX still showing as not paid when my checks were garnished in XXXX and is paid in full. When I talked to someone at the office they are waiting for the courts to release this. This is seriously impacting my credit especially since the debt was paid.
Product: Debt collection

This company called Debt Recovery Solutions placed a debt collection report on my credit report. I have never ever conducted any business with this company and I believe that this company is committing fraud because its attempting to collect money for a debt that doesn't pertain to me. I requested for this company to send me documents that show my signature to prove that I made any contractual agreement with them and they failed to produce it. My credit report is being damaged by their report on XX/XX/XXXX. I plan on suing this company for violating the laws regarding harassing my phone demanding this outrageous amount of money to be paid to them.
Product: Student loan

There was a fraudulent late fee added to monthly payment. Statement history does not match the information that servicers are giving me. According to information provided by Wells Fargo, the late fee is n't a late fee, but rather accrued interest placed in the late fee section because " there was nowhere else to put it '', despite there being a section for outstanding interest. I was told this was the result of an adjustment and the late fee has nothing to do with XX/XX/XXXX, but was not reflected on my bill due XXXX/XXXX/2015 because the adjustment was done after that date. As I have issued complaints with the CFPB several times about similar issues and nothing has changed with the practices of this company, I no longer wish to deal with this company any longer.
Product: Credit card or prepaid card

American Express tells me that they transferred XXXX XXXX points as three XXXX referrals for the XXXX card, but they never showed up in my XXXX account. I have offered to provide screenshots of my XXXX account activity so they can verify, but they seem unwilling to help. They sent me XXXX points for my 4th referral, and the maximum for a calendar year is XXXX, so they owe me XXXX points. XXXX  According to this article, they may have had a IT glitch that caused the points not to be sent properly.
Product: Debt collection

XX/XX/2023 XXXX XXXX In reference to National Credit And / OR XXXX XXXX XXXX XXXX tx XXXX Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt XXXX  * ( 2 ) the name of the creditor to whom the debt is owed and who owns the debt now * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in XXXX, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a late payment associated with a closed account that has been paid in full. This late payment is reported solely on my credit reports from XXXX and TransUnion. 

The details of the account are as follows : Account Name : XXXX Account Number : XXXX My request is based on the following laws : CFRA ( COVID-19 Financial Relief Act ) : This law provides financial protection and relief during the pandemic, acknowledging the difficulties many consumers face. The inclusion of this late payment does not accurately reflect the exceptional circumstances that may have affected my ability to pay. 

CARES Act : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act includes provisions that protect consumers during the COVID-19 crisis. Since this late payment pertains to a closed account that has been fully paid, I believe its presence on my credit reports is unjust and does not represent my current credit history. 

TILA ( Truth in Lending Act ) : This law requires clear and accurate information regarding credit terms. If I was not provided adequate information or if the pandemic situation affected my ability to meet the terms, I believe this late payment should be reconsidered. 

Given the nature of this account and the mitigating circumstances, I kindly request a thorough review of this case and, if it is determined that the late payment does not accurately reflect my financial situation, that it be removed from my credit reports. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

I asked for the following documents to be sent in writing and did not receive them. 

Please provide me the following information below in writing : The original contract with original creditor with my signature on it. 

Payment history with original creditor. 

A poof of debt assignment.
Product: Vehicle loan or lease

Santander CONSUMER USA has been reporting on my credit report to my knowledge since XXXX  that I owe {$11000.00} after a repossession and I, XXXX XXXX XXXX don't have a signed agreement with Santander, paid XXXX XXXX of XXXX, had a GAP Ins. coverage that allowed Santander to be paid per the car dealership but GAP Ins. in XXXX, GA is reporting that they are the wrong GAP Ins. office and I should contact the dealership. I, XXXX XXXX XXXX, the consumer does not agree with the debt and have requested that GAP Ins. send the remaining {$39000.00} to me to have the vehicle replaced because the only right that Santander CONSUMER USA has to be paid is under GAP Ins. Santander CONSUMER USA has not legal right to pursue XXXX XXXX XXXX, consumer for any money.