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

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. 

The inquiries that are fraudulent are as follows : XXXX XXXX XXXX on XX/XX/XXXX and there is an inquiry from US SM BUS ADMIN ODA on XX/XX/XXXX. 


The only thing that makes sense is some at the lending company stole my info because I was preapproved when i purchased my home so i never gave my info to have them check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval check that covered the cost of the home.
Product: Credit reporting or other personal consumer reports

Dispute Department : EQUIFAX LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

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

Upon checking my credit report I noticed that there are two accounts from XXXXXXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX.I only have one account with XXXXXXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : 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 an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF THE EQUIFAX DATA BREACH, IDENTITY THEFT & FRAUD FOR A {$20000.00} LOAN THAT I DID NOT TAKE OUT. ON XX/XX/2023 I SENT EQUIFAX A NOTICE OF DISPUTE FOR THE FRAUDULENT ITEMS AS WELL AS A COPY OF MY PASSPORT, SSN CARD, UTILITY BILL, FTC REPORT, FTC AFFIDAVIT, CREDIT REPORT AND 605b NOTICE PERTAINING TO BLOCKING OF FRAUDLENT INFORMATION. I CALLED ON WEDNESDAY XX/XX/XXXX & SPOKE WITH AN AGENT BY THE NAME OF XXXX TO CONFIRM THEY RECEIVED ALL OF MY DOCUMENTS AND IF THERE IS ANYTHING ELSE THEY NEEDED FROM ME. SHE ADVISED THAT THEY RECEIVED EVERYTHING & THE ACCOUNT AND OTHER INACCURATE INFORMATION WOULD BE REMOVED FROM MY CREDIT REPORT WITHIN 5 DAYS. TODAY, XX/XX/2023, I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/2023 ADVISING ME THAT THEY DID NOT BLOCK THE ACCOUNT DUE TO NOT HAVING ANY OF THE SUPPORTING DOCUMENTATION, ( IE FTC REPORT, IDENTIFICATION AND COPY OF THE ACCOUNT ON MY CREDIT REPORT ). WHEN I CALLED I SPOKE WITH AN AGENT XXXX  NAMED XXXX WHO ADVISED THEY DID RECEIVE THE DOCUMENTS BUT COULD NOT VERIFY MY ADDRESS BECAUSE I REDACTED MY ACCOUNT # BUT THE NAME AND ADDRESS DID MATCH WHAT WAS IN MY CREDIT FILE. SHE SAID THAT I WAS NOT ALLOWED TO REDACT SUCH INFORMATION BASED ON " INTERNAL PROCESSES AND PROCEDURES '' SHE THEN ADVISED THAT THE ACCOUNT WAS {$0.00} & CHARGED OFF AND THEY HAD " VERIFIED '' WITH THE COMPANY THAT THE ACCOUNT WAS MINE. I TOLD HER THAT IS NOT WHAT THE AGENT XXXX THAT I PREVIOUSLY SPOKE WITH ADVISED WHEN I CALLED ON XX/XX/XXXX AND IT SEEMS AS THOUGH THEY ARE BEING DECEPTIVE AND MISLEADING. I ASKED FOR A STATESIDE SUPERVISOR IN WHICH SHE REPLIED " THERE IS NO ONE WHO CAN HELP YOU, OUR HQ IS IN XXXX AND I CAN NOT TRANSFER YOU TO ANYONE THERE '' I THEN ASKED FOR HER TO PROVIDE THE PROOF OF VERIFICATION AND THE METHODS USED. SHE ADVISED THAT SHE COULD NOT DO THAT EITHER. 

THIS IS A STALL TACTIC BY EQUIFAX THAT MANY HAVE EXPERIENCED AND IT HAS CAUSED ME MUCH STRESS AND XXXX. THIS COMPANY NEEDS TO BE HELD RESPONSIBLE FOR THEIR FOREIGN AGENTS AND THERE PROCESSES ON FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Bank account or service

I have a XXXX currency account with union bank, today I saw that there fees fo this account, already high at XXXX $ a month had increased to XXXX $ without any change of service. That is a XXXX %. Hight, on an acount they do not pay any interest in, nor have made any improvment to the service they provide. - this is in short words price gauging. - in the recent past they have engaged in multiple unfair practices, like not acepting a aditional fictitious business name on an acount - forcing me to open an aditional business acount which they then promptly charged, inspite the fact that I hold a significant amount of money on there ( no interest! ) XXXX currency and normal business account. ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Product: Debt collection

Subject : Notice of Default and Opportunity to XXXX  REF : XXXX Dear XXXX & CKS Prime Investments, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws.

**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX  XXXX Balance : {$30000.00}
Product: Credit card or prepaid card

For the last 3 days XXXX XXXX XXXX of XXXX I cant access my funds that I have in my account .go program cant tell me why and keep saying wait 24 hours. I cant pay bills or make a transaction ..when I call they are rude and hangs up without fixing the issuse
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2010 Balance : $ XXXXLate/Open Late Dates XXXX
Product: Consumer Loan

Regular payments in XXXX 2016 were misapplied to principal reduction resulting in loan becoming past due. 
Principal reductions displayed as payments in online banking Making additional call attempts to my work phone number after requesting no further calls at work as would not give purpose of call, gave appearance of phishing attempt. 
No attempt made to reach me at my home phone, cell phone, mail or secure messaging to notify me of the delinquency. 
Called ID displays phone number not listed on website, gave appearance of phishing attempt. 
Excessive customer verification procedures and refusal to provide purpose of call to my place of employment without my account number or social security number Inconvenient online banking forgot id or password functions No notification account is past due or due date indicator Not provided a VRU access code Refusal to speak with a collections manager Overall difficult customer experience to resolve error by phone Account not yet corrected. Reported XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit exposing critical issues with the platform. Despite frequent use of Zelle and reporting discrepancies, my financial institution and Zelle did not conduct a thorough investigation of my claims. I was informed that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users susceptible to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans that were serviced by XXXX/XXXX  XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INTERESTED IN PROCESSING DISPUTES FOR ALL INACCURATE INFORMATION ON MY CREDIT REPORT WITH EQUIFAX. PLEASE REVIEW ALL DATA THAT IS HINDERING MY FILE & REMOVE ALL LISTED ITEMS ASAP.
Product: Debt collection

The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. 
One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. 
I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.
Product: Credit reporting or other personal consumer reports

I have two derogatory items thats on my report that I do not recognize one is paramount recovery and the other one is XXXX XXXX
Product: Vehicle loan or lease

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX  - XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

How can I owe them when it was my own $ that I was using.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I, XXXX XXXX XXXX has never done business with the accounts listed below. These account are being reported to my credit report ( all three ) an i cant even buy a car. I have tried to contact them and i get no where. I have all the details about the account that is being reported to my credit, but again I never done business with any of these account, so I don't have all the details. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt that is reporting on my credit report is not valid. LVNV Funding and their attorneys XXXX XXXX XXXXXXXX summoned me for court on XX/XX/XXXX and then sent an 'Entry for Default Judgement ' on De to me on XX/XX/XXXX. Also, this is appearing on my credit report as an open balance, but I am using a debt consolidation company to help manage this debt, which means it should be closed.
Product: Prepaid card

I am writing to formally lodge a complaint regarding the purchase and subsequent issues I have faced with three American Express eGift Cards I purchased online on XXXX XXXX XXXX. The total value of the purchase was {$1500.00}, with each card worth {$500.00}. The order number is XXXX, and the last three digits of the card numbers are # XXXX, # XXXX, and # XXXX, respectively. 

Initially, I received an email confirming the delivery of the eGift Cards, but I encountered significant difficulty in accessing the card details. Despite multiple attempts and considerable effort, including contacting your customer service by phone multiple times and waiting on hold for extended periods, I eventually managed to resolve the issue on my own. The details appeared to be restricted for security reasons. While I can appreciate the necessity of stringent security measures, the process was unnecessarily cumbersome and frustrating. 

Unfortunately, a far more serious issue emerged after obtaining the card details. When attempting to use these eGift Cards for online shopping, I discovered that many merchants declined them or expressed uncertainty regarding their validity. In several instances, transactions were outright rejected, either due to the merchants ' inability to verify my rightful ownership or for unspecified reasons. 

As a consumer, my primary motivation for purchasing these prepaid eGift Cards was to enjoy the convenience, portability, and security they are supposed to offer. However, these benefits have been completely overshadowed by the cards ' impracticality. Instead of a hassle-free payment method, these eGift Cards have become an undue burden, requiring me to expend time and effort to identify merchants who might accept them.
Product: Debt collection

Trans Union. This debt just randomly shows up out of nowhere! You can see by my stellar payment history that i do not have this happen. This account is NOT MINE and belongs to someone else. I never had any account with these people. Please remove this account from my credit reports 1 collection accountTotal balance : {$1600.00} XXXX  XXXX XXXX Original creditor : XXXX {$1600.00} 0 % paid off