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

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. Unknown - XXXX XXXX. XXXX XXXX - XXXX XXXX. 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/year>2022 XXXX. XXXX  - XX/XX/year>2022 XXXX. XXXX  - XX/XX/year>2022 XXXX. XXXX  - XX/XX/year>2022 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or were opened without my permission. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with FirstMark Services in the amount of {$4900.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( FirstMark Services ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, please refrain from reporting this debt to credit bureaus during this verification process. 

Given the circumstances surrounding this matter, I believe that an immediate deletion of this debt from my credit report is the fair resolution. Since I have requested validation of the debt, and until adequate documentation is provided to verify its legitimacy, continuing to report this debt could be considered inaccurate and harmful to my credit standing. Therefore, I respectfully request that you take prompt action to delete this account from my records as a just resolution to this dispute. 

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

XXXX, XXXX, and Experian are obligated by the FRCA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report, if XXXX, XXXX, and Experian do not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. XXXX, XXXX, and Experian are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX North Carolina XXXX XXXX 
XXXX Commission file number. XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( collectively, the XXXX Entities ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively, XXXX ) for the dates associated with identity before being sold.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and Im a victim of identity theft. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX AND XXXX XX/XX/XXXX EMPLOYER : XXXX AND XXXX XXXX XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter.

Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX added a trade line with Jefferson Capital System. The collection company failed to send notification of the debt and notice of right to dispute. According to the FDCPA collection agencies have to send a validation notice It must be sent within XXXX days of the first contact. 

The debt validation letter includes : The amount owed. 

The name of the creditor seeking payment. 

A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact. 

A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail. 

A statement that if you request information about the original creditor within 30 days, the collector must provide it. 

None of this was sent, which is a vilation of my rights and the law.
Product: Debt collection

I owe this company no debt. Failure to verify. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX
Product: Checking or savings account

I wrote a check to the IRS in XX/XX/XXXX, payable to US Treasury. I brought this check inside the Post Office, not in any mailbox. 
In XXXX the IRS sent me a letter asking for payment, plus penalties and interest. I paid them again. 
I asked PNC Bank to investigate on XX/XX/XXXX. They said I would be reimbursed at the end of their investigation, which could take up to 120 days. 
My checking account was attacked after that multiple times, causing me to close it and open a new one. 
The 120 days ended and I was not reimbursed. I was then told it was 120 business days. 
The 120 business days ended on XX/XX/XXXX, and I was still not reimbursed. 
Their only answer is that the investigation is still " in progress ''.
Product: Payday loan, title loan, or personal loan

I had requested an extension on monthly payment For world finance in XXXX Missouri and signed a paper for a 3 month extension. About a month later I got a call from them asking for payment. I told them that I was aware of an extension until later and they said it was only a months extension and requested immediate payment
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an inaccurate & unauthorized account revolving identity theft.
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 : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX 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 c
rimes 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, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.
Product: Checking or savings account

I Was Charge for and Authorize Transaction From XXXX {$700.00} TD Bank opened a dispute and the dispute was denied there was previous XXXX Transaction and they there credited to the account and i never gave $ XXXX permission to charge my account TD Bank Denied My Dispute
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 with antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

Remove from consumer report than Cease & Desist if any future correspondence with me or about this alleged debt with my consumer report
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed WELLS FARGO CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which  explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
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, has all 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 : States a consumer reporting agency can not furnish an 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 record conviction of crimes which antedates report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) : States 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, credit repair services, or other personal consumer reports

XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
Transunion- I called them starting the same dates as mentioned above and no results. 
XXXX - I called them and same as mentioned aboved
Product: Payday loan, title loan, personal loan, or advance loan

Dear Affirm : The following account is reporting negative on my credit reports by Affirm INC. and the account was paid approved in the amount of {$180.00} of the {$180.00}. I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay the remaining balance ( {$9.00} ) as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$9.00} payable to Affirm in exchange to have all information related to this debt removed from all of my credit files. 
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Affirm. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above. 
Sincerely
Product: Credit reporting or other personal consumer reports

Im requesting to remove these addresses XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX, and I'm demanding the removal of these claims of my XXXX  report as there's no proof of my signature with the company that's reporting the negative claims on my XXXX  report Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX and I also want the removal of these people that's on my XXXX  report that I have no knowledge of and they don't belong on it XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

This is a fake account. This company first called me in early XXXX claiming that I had owed money to XXXX from a debt at an address I haven't lived at since XXXX. They claimed that the debt was from XXXX. 

When I told them what address I am currently at, they then updated this fake collections account with my new address. 

During the call, I explained to them that not only can I prove I had XXXX XXXX XXXX XXXX internet during the time period they claimed, but that XXXX isn't even offered in the area I am in. As soon as they heard that, they suddenly hung up the phone, but I am outright shocked that they were dumb enough to put this fraudulent, fake collections account on my credit report!!
Product: Mortgage

We were trying to refinance our home with Loan Depot and through the application process, the loan officer looked at our home online, told us how nice it was and also was able to view price and estimated value of the home, as well as what homes sold for in the immediate surrounding area. We were told there shouldnt be any problem at all with refinancing, as well as cashing out {$30000.00} to pay off other debt and that we should also get approximately {$2000.00} at closing. The value of our home was at {$210000.00}, but when the appraisal came back almost 2 weeks later ( after the appraiser had to come back and take a picture of the attic ) it was only {$170000.00}. Our home is in a very prominent area of town, has brand new carpet placed in XX/XX/2018, a new a/c unit, an updated kitchen and dining room, corner lot, and in great shape overall. A home just 2 houses from ours sold for {$210000.00} and the one directly across the street from that one sold for {$240000.00}, both in the same time frame as the refinance attempt. We were shocked and very concerned at such a low appraisal and feel that we were cheated and not given a fair and true appraisal. We called Loan Depot and requested a refund of our appraisal fee in the amount of what we paid, {$420.00}. Our request was immediately declined. We would also like to have our application fee refunded. We have been in Law Enforcement for over 20 years and work very hard for our money, and in obviously unsafe conditions daily, and dont appreciate being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account # : 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, credit repair services, or other personal consumer reports

I have an inquiry on my XXXX XXXX Experian and XXXX inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX thank you