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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 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

I have been a VICTIM of Trans-Union Inquiry Issue. I tried to talk to the Customer Service and the representative refused to take care of the negative inquires reporting to my credit report.
Product: Debt collection

Im XXXX I signed up for XXXX services. I never received the SIM cards or any equipment. I contacted XXXX and informed them that I never received the SIM card. XXXX XXXX did an investigation which shows I never utilized the services due to me never receiving the SIM cards. XXXX XXXX reimbursed me my activation fees due to I did not use the service or no cards were used. I am Being billed for services never provided and send to collections I have Been calling XXXX for 2 months and they first told me they would correct this by sending up a ticket to I have to deal with the collection agencies. They are staying the account was closed but how can an account be closed for no payment when I never received to product to utilize the service. What are they charging me for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute Regarding Charged-Off Accounts and Missing 1099-C Forms Dear CFPB, I am writing to file a formal dispute regarding two charged-off accounts that appear on my credit report. The creditors for these accounts did not provide me with a Form 1099-C, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}.

According to IRS guidelines, creditors must issue a 1099-C form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts. 
I kindly request the CFPB to investigate this matter and ensure that the creditors comply with federal regulations by providing the appropriate 1099-C forms or rectifying the status of these accounts on my credit report. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Some weeks ago I was visiting your site and pursued contacting the main three credit reporting agencies. I was sent correspondence from XXXX and TransUnion that I needed to submit documented proof that I live at my current address as I have since 2009. Yesterday, I received the attached correspondence from TransUnion that my current California Driver License, a XXXX Medical Bill, Department of Veterans Affairs documentation and I believe a utility bill. Apparently this is still not good enough and I believe TransUnion in particular just does not want to comply and provide me with a free credit report so that I might manage my own identity and credit protection. They seem to keep coming back with a lame excuse that what I am sending from their own criteria is insufficient to prove where I live. It has gotten ridiculous and frustrating. It appears if I pay them for it, there would be no problem. I keep getting jerked around and around. XXXX has not bothered to respond despite sending more that the proof documentation they require. XXXX seems just to have ignored my request all together as I have never heard back. Again, I made these requests through the link on your site. I do not know what the problem is other than this is nothing new as these people seem to wield some sort of arrogant power that does not serve the consumer. Especially when it comes to removing inaccurate information which impacts credit. On example, regards a closed child support case from years ago and showing it is still open. I wish there would be more regulation over this group.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint against XXXX XXXX for Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing this complaint to bring to your attention the egregious violations committed by XXXX XXXX, a company engaged in unfair and deceptive business practices. My complaint is grounded in the violations of various consumer protection laws, including but not limited to 16 CFR 313, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 16 CFR 433.4, 16 CFR 433.5, 15 USC 6801, 15 USC 6802, 15 USC 1681, the Privacy Act of 1974, the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Act. 

I recently discovered that XXXX XXXX has been reporting my transaction history to XXXX, XXXX, and Equifax without my explicit authorization. This unauthorized reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Specifically, the following violations have occurred : 16 CFR 313 - Privacy of Consumer Financial Information : XXXX XXXX has failed to provide proper notice and opt-out mechanisms as required under 16 CFR 313. Moreover, the company has neglected to obtain my explicit consent before disclosing my nonpublic personal information to credit reporting agencies. 

16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses : XXXX XXXX has violated this regulation by reporting inaccurate and unauthorized information to credit reporting agencies, damaging my credit history and causing harm to my financial reputation.

15 USC 6801 and 15 USC 6802 - Protection of Nonpublic Personal Information : XXXX XXXX has failed to implement and maintain reasonable procedures to protect the confidentiality and security of my nonpublic personal information. 

15 USC 1681- Fair Credit Reporting Act : The company has unlawfully reported inaccurate information without obtaining the required authorization, thus violating the FCRA. 

Fair Debt Collection Act : If XXXX XXXX is attempting to collect a debt, the company must adhere to the Fair Debt Collection Act, which includes providing accurate information and validating the debt upon request. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against XXXX XXXX for their blatant disregard of consumer protection laws. I also request that you ensure the correction of any inaccuracies reported to credit bureaus and the cessation of unauthorized reporting. 

Thank you for your prompt attention to this matter. I believe your intervention is crucial to protecting consumers and upholding the integrity of the laws designed to safeguard their rights. 

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

XXXX, Equifax, XXXX I request verification of XXXX  they sent it to a fraud dept I never asked for never said fraud .In the letter their was nothing No contract nothing no verification validation NOTHING enclosed their letter
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Inquired on XX/XX/2023, Account name : XXXX XXXXXXXX XXXX Inquired on XX/XX/2023, Account name : XXXX XXXX XXXX Inquired on XX/XX/2023, Account name : XXXX Inquired on XX/XX/2023, Account name XXXX XXXX, XXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023, Account name XXXX XXXX XXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023, Account name XXXXXXXX XXXX Inquired on XX/XX/2023. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1900.00} 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} 5. Account name : XXXX Account opened : {$0.00} Amount owed : XX/XX/XXXX 6. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$2400.00} 7. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$360.00} 8. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} XXXX. Account name XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$700.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX 3. Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 4. Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 5.Account name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX & XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 10.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX 11.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 12.Account name : XXXXXXXX XXXX XXXXXXXX Amount Opened : XX/XX/XXXX 13.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have been called about 10 times a day from scam numbers. I answered and was told by 2 different people that I have a payday loan from XX/XX/XXXX from a company called XXXX XXXX for XXXX dollars that is now {$1200.00}. The lady said they were filing charges against me, was yelling at me, and hung up in my face. The second company contacted me today, XXXX XXXX regarding a payday loan from VIP Loan. This was supposed to be in XXXX for {$610.00} dollars. I spoke with a lady by the name of XXXX XXXX. She said she could be reached as ( XXXX ) XXXX ext XXXX or the number that called me ( XXXX ) XXXX. I tried to call both numbers back and they didn't go through. I haven't taken ANY payday loans and the information they provided was wrong. Can you please assist or give me some guidance on what steps to take.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has compromised my personal information. As such, I request that all inquiries listed below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted multiple complaints to Equifax, XXXX, and XXXX. They have not completed an investigation. I have addresses that I have never lived at and accounts that are erroneous. I am hoping with the help of CFPB that my investigation will actually happen. Please see my letters with 3-bureau tables showing all of the discrepancies in my credit report.
Product: Mortgage

During the XX/XX/XXXX firestorm, we fought and saved our house with minor damage to the structure. However, there was significant damage to ancillary structures that we built with our own money, after receiving the initial mortgage from Quicken Loans. Our loan amount is less than 20 % of the appraised value of our home, so the company has more than enough equity protection. Our insurance company is XXXX, and they have been extremely cooperative in this process. We have " replacement value '' coverage with them. They have given us checks for the depreciated value of the two buildings in our name and in the name of Quicken Loans. Quicken loans has retained approximately {$7500.00} of that money. To collect the difference between the depreciated value and the cost to replace, the policy requires us to pay, out of pocket, to replace the lost structures. As we do this, we receive reimbursement from XXXX, but with Quicken Loans as an additional payee. We simply can not get Quicken Loans to reimburse us. We can not get answers from them unless we call, and the wait times are ridiculous.
Product: Money transfer, virtual currency, or money service

In trying to set up a new roommate, I was sent a Cashiers Check for {$2900.00}. Only part was supposed to be for rent, the remaining was to help set up a car for the college student coming to live in the room. I deposited the check on XX/XX/XXXX, waited until the XX/XX/XXXX to withdraw cash to send for the car payment, and then waited another day to send the money for the supposed car payment, and then another day for the second half of the payment. After {$2000.00} was sent for the car, the check, even though it is a cashiers check, was bounced the next evening. So now I am out {$2000.00} because Wells Fargo allowed the apparently fraudulent check to be cashed and make the funds available for multiple days. When I called them to deal with this issue, they refused to compensate the fraud even though it was them that allowed a supposedly secure check to process and then bounce. They will not own up to their fault in this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTA! I do not believe I am late on the dates these accounts reports. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
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. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX, has violated my rights. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. 15 U.S.C. 1681B ( 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

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

Capital one has gave me the run around with out no explanation on where is my money and when will my money be deposited or when will i be able to use my money to my account and its been a week didnt receive my money or they didnt resolve any late fee payments like they agreed to also they made up alot of lies this is very fraudulent and unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ( XXXX ) ; XXXX XXXX XXXXXX/XX/2022 ( XXXX ) ; XXXX XXXX XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.