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

I have previously disputed XXXX XXXX XXXX - XXXX Case Number : XXXX, regarding bankruptcy dated XX/XX/year>, with all credit reporting agencies. In response, they verified the information as accurate, claiming they had confirmed the details with the courts. 
After reaching out to the courts directly, I received a response that is attached here. It clearly shows that the courts do not report to any credit reporting agencies. This indicates that the previous verification with the courts was either an error or potentially fraudulent.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. Regardless, the reporting of this information fails to meet the requirements of FCRA Section 611 ( 15 U.S.C. 1681 ), and as such, the bankruptcy entry mu
st be deleted from my credit file immediately. Additionally, under FCRA 15 U.S.C. 1681b, any entity reporting or accessing my credit information must have a valid permissible purpose. I have not authorized any such permissible purpose for the continued reporting of this bankruptcy. As no lawful reason exists for this information to remain on my report, I demand its immediate removal.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX  XXXX - XXXX - {$1000.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Dear Equifax I am disputing the account ( XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Chase Bank rejected XXXX checks that I had to use with XXXX, likely as retaliation for complaining to the XXXX about the issues I had getting a debit card for 6 weeks ( only finally received Monday ). 

I just called and confirmed they had no legal reason to refuse the checks, considering I had more than enough money in the checking account to cover them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.
Product: Debt collection

This is a continuation of two prior complaints I have filed against Heartland Resolution Group LLC. The two prior complaints are XXXX and XXXX. Both of these complaints were closed because, according to Heartland Resolution Group, they " could not identify who has submitted this complaint ''. Heartland Resolution Group - here are YOUR REFERNCE numbers of accounts in YOUR computer systems, which YOU gave to ME. These should suffice to identify me as these are literally the reference/account numbers YOU ASSIGNED TO ME - # XXXX and # XXXX. I am not going to give any personal information over this platform, especially when these accounts are for a MINOR. You can look me/the minors account with those two reference numbers as they are YOURS, as noted in the letters YOU mailed to me. Heartland Resolution Group ( HRG ) is a scam company attempting to collect debt that is not owed and/or time barred. HRG works with XXXX XXXX XXXX, XXXX as their unlawful " debt collectors ''. XXXX XXXX XXXX purchases medical and billing information from XXXX XXXX XXXX. XXXX XXXX XXXX sells their patient's/client 's personally identifiable information without written consent from the patient/client. Heartland Resolution Group has been mailed, by me a dispute letter disputing these unlawful and DEBTS NOT OWED. I have also included a CEASE AND DESIST all communications from Heartland Resolution Group to me. I do not owe you anything. I have called XXXX XXXX XXXX and inquired about these alleged debts. They have on all occasions on a recorded line stated that they have forwarded any unpaid medical debts under my or my son to XXXX XXXX XXXX and they even went so far as to deny knowing who HRG even is. Leave me alone, Heartland Resolution Group. Stop your unlawful debt collection practices. I do not owe you or anyone ANYTHING. I have reached out to an attorney for help as well my state 's Attorney General. You are a scam company. Get real jobs and stop preying on innocent consumers. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the finance company to not share my personal information, such as my experiences and transactions and they continue to do so without my permission. They lied and said I signed a contract giving them permission to do so. Its no where in my contract and its an invasion of my privacy.

Consumer Law 15 usc 1681 A ( 2 ) a1, also 15 usc 6801, and 6802, 15 usc 1681 B. They have broken and violated my consumer rights.
Product: Mortgage

I received a check from Rushmore Loan Management Services LLC, and forgot to deposit the check. They sold my mortgage off to a new company. I have been trying to get them to issue me a new check and they are stating that they do not have any information of me ever being with them. Tried calling over the phone and they are not letting me through, chat with someone and they are saying they have no info on me and sent an email with the picture of the check an account number for the loan and still being told that I was never a customer.
Product: Credit card

A fraudulent charge appeared on my account. I have contacted the bank numerous times to have the issue fixed. However, even though I have answered any and all questions and submitted any and all requested documents they refuse to follow the applicable laws of credit card fraud and refuse to even begin a claim, even though I have called repeatedly and spoken with them about the issue numerous times.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, 1.XXXX XXXX XXXX XXXX- XXXX XXXX 2XXXX  XXXX XXXX- XXXX XXXX 3.AMERICAN CREDIT ACCEPT- XXXX XXXX 4.XXXX XXXX- XXXX XXXX 5.XXXX XXXX XXXX XXXX- XXXX XXXX 6 XXXX XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8.XXXX XXXX- XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXXMAJR XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX 14XXXX XXXX  XXXX XXXX 15XXXX XXXX XXXX 16.XXXX XXXX XXXX  XXXX 17.XXXX  XXXX XXXX XXXX 18.XXXX XXXX  XXXX 19.XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Green Sky Lending on XX/XX/2018. This is showing on my credit report as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX. Phone ( XXXX ) XXXX. This account was for the purchase/financing of a XXXX XXXX manufactured & distributed by XXXX. XXXX had promised to provide a monthly participation stipen for opting into a case study for how the water helped with health ailments. In the end, the XXXX case study & XXXX XXXX was a complete scam. I reached out to the lender Green Sky to help with the situation as they had partnered with XXXX. You can find many articles addressing lawsuits against XXXX, including a Green Sky suing them for fraud. I asked Green Sky multiple times to help with this burdensome monthly payment. Green Sky told me to go ahead & hold off on making payments as they had opened & investigated a potential fraud case for loan. Unfortunately, Green Sky did not find evidence of fraud to assist with the loan balance. I only asked for assistance because they were dealing with thousands of customers experiencing the same issues. While this investigation was ongoing, Green Sky was reporting to my credit delinquencies. These late payments added up over time. I eventually paid the balance in full. I asked Green Sky to delete the account from my credit as a sign of good faith & payment in full given the circumstances. Green Sky stated they would report the account as paid in full, but could not delete the account from my credit. The late payments have hurt my score & will continue to reflect negatively. I do not feel this is fair since a good amount of the time was Green Sky investigating the allegations on my account. Again, I have paid the balance in full & I am just looking to repair my credit by removing the account. It is the least I can ask for given the nature of the fraud. Thank you & I look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I request that all accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which address the removal of fraudulent accounts and unauthorized access to credit information. 
Please ensure that the following accounts are blocked and deleted from my credit report immediately : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}
Product: Checking or savings account

My son opened a saving/checking account on XXXX, 2018. On XXXX, 2018 I received a statement saying that my sons account was adjusted by - {$220.00}. There was no explanation. I called the bank and they said they would look into the situation and write me a detailed account of why the amount was changed. On XXXX, 2018 I received a letter saying that my dispute inquiry was researched and they have determined that the adjustment was correct. 
I counted the money at the bank with banker two times. We came up with the same amount together. We then waited in line for the teller, and she also came up with the same amount. I have the recept which states the amount that I have deposited. Bank Of America will still not provide me with the information that I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX account fraud this account does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute of Inaccurate Credit Reporting Dear CFPB, I am writing to formally dispute ongoing inaccuracies in my credit report as maintained by the three major credit bureaus : XXXX, Equifax, and XXXX. Despite my multiple attempts to correct this information, the bureaus continue to report inaccuracies and have labeled these errors as verified without providing the necessary proof of verification or debt validation. 

As more than 30 days have passed since my last dispute, I believe these violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines are significant. These inaccuracies are damaging my credit profile and tarnishing my reputation.

Under the Fair Credit Reporting Act ( FCRA ) and relevant Metro 2 compliance guidelines, I am entitled to accurate credit reporting and the right to dispute erroneous information. The repeated violations of my rights not only impact my creditworthiness but also tarnish my reputation. 

I am hereby demanding compensation of up to {$1000.00} per violation, as allowed under applicable laws. Please find attached copies of my dispute correspondence with each credit bureau and any relevant documentation supporting my claims. 

I urge the CFPB to investigate this matter and take appropriate action to hold the credit bureaus accountable for their negligence and violations of federal regulations. I appreciate your prompt attention to this urgent matter. 

My only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ga XXXX. Phone number is XXXX. 

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

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX XXXX XXXX raised my interest rate on a credit card after the XXXX financial collapse and causes me to lose my good credit score rating which was unfair to me. Navy Federal Credit Union now is using what XXXX did to me to justify raising my interest rates also. I tried in good faith to get Navy Federal Credit Union to lower my rate with no luck, now Im requesting Navy Federal to follow the Credit CARD Act of XXXX : If a credit card issuer increases your annual percentage rate based on factors such as your credit risk as a borrower or market conditions, the creditor shall consider changes in those factors when determining whether to reduce your annual percentage rate. Every six months ( at minimum ), issuers must review accounts on which they raised the interest rate sinceXX/XX/XXXX to assess whether the facts they used to raise the interest rate have changed. If so, they must lower your rate. 
I respectfully request to have a review showing I have not improved in my credit rating not reflecting the XXXX XXXX credit card. Navy Federal has no reason to deny me my request for lowering my interest rate?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, please block and remove according to 15 USC 1681c-2.