23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Legal Action - Violation of Rights and False Reporting Dear Sir/Madam, I am writing this letter to bring to your immediate attention the persistent violations of my rights and false reporting on my credit accounts. Despite providing concrete evidence of being a victim of the XXXX XXXX data breach, you have consistently failed to verify and remove inaccurate information from my credit report. 


As a victim of the XXXX data breach, I have supplied you with substantial evidence, clearly establishing my identity theft and the fraudulent activities perpetrated in my name. However, I am deeply disappointed by your continuous reporting of credit accounts that can not be verified by your respective companies. This flagrant disregard for my rights is unacceptable and will not be tolerated any longer. 


Moreover, I have previously informed you of the fraudulent car loan document from XXXX, where my name was falsely used. I have presented you with documentation that includes a police report, providing further proof of this fraudulent activity. Despite these efforts, you have neglected to take appropriate action, reinstating the false information on my credit report without providing any valid justification. This is not only a violation of my rights but also a clear demonstration of your disregard for the accuracy and integrity of credit reporting. 


I want to make it explicitly clear that I am currently pursuing legal action against the two main credit bureaus due to these ongoing violations. While I had hoped to resolve this matter without further escalation, your persistent failure to rectify the false reporting has left me with no choice but to include XXXX, Experian, and XXXX in the impending lawsuit. 


Furthermore, I want to emphasize that the XXXX account listed on my credit report is not mine. This account was created during the XXXX data breach, and to date, XXXX has been unable to verify its authenticity. The only account I had with XXXX was a savings account, which I closed several months ago. Therefore, the inclusion of this unverified and unauthorized account on my credit report is a direct violation of my rights and your duty to accurate reporting. 


I demand that you take immediate action to rectify these violations by removing the false accounts from my credit report and ensuring that they are not reinstated without proper verification. Failure to comply with this demand will leave me with no choice but to pursue legal action against XXXX, Experian, and XXXX, holding you accountable for the ongoing harm caused to my credit and overall financial well-being. 


I expect your prompt attention and resolution in this matter. Please be aware that I am prepared to take all necessary legal steps to protect my rights and seek appropriate compensation for the damages incurred. 


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

I am a natural person ; I am a living Human Being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. any they violated my rights numerous times. I demand the account listed below be removed because, According to 15 USC 1681 : I have a right to privacy and did not give Equifax written permission to furnish this account. 

Account : XXXX XXXX secured Credit Card open date XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Transunion Representatives, I am writing to demand the immediate removal of XXXX ( XXXX ) inaccurate and unverifiable accounts from my credit report. I submitted a dispute on XX/XX/XXXX, and it is now XX/XX/XXXX. Your failure to resolve this dispute within the legally mandated XXXX timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i.

Under FCRA 1681i, you are required to complete your investigation within 30 days unless additional information is provided during that period. I have not submitted any new information since my initial dispute, which included the following documentation : A notarized affidavit confirming my identity. 
A Federal Trade Commission ( FTC ) report. 
A copy of my government-issued ID. 

The accounts in question are inaccurate, unverifiable, and harm my financial standing. Despite having sufficient time and the necessary documentation to conduct a thorough investigation, XXXX has failed to comply with federal timelines and has perpetuated the damage caused by these erroneous entries.
Product: Credit reporting or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of Transunion, XXXX, and XXXX. I request you block accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SPECIAL PRIVATE PRIORITY Violation of Privacy, Inaccurate Reporting, and Unlawful Administration of a Trust I, XXXX XXXX : XXXX, a Private American, held in trust under the Full Faith and Credit of the United States, submit this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for their injurious actions in administering a name held in trust without proper authority, lawful notice, or consent. 

Nature of the Injury : These entities have unlawfully reported XXXX charge-off accounts, which must be corrected to reflect " Paid as Agreed '' due to : Breach of Duty : No verified proof of contract has been provided, showing that any obligation exists between the Principal and these entities. 

Violation of the Right to Privacy : Under the Constitution and the Privacy Act, no express, implied, verbal, or non-verbal consent has been given for these entities or credit reporting agencies to furnish, maintain, or process this information.

Unlawful Assumption of Administration : It appears these corporations are attempting to administer the name held in trust, without full disclosure and in violation of contractual equity and public law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Under established case law, all XXXX currency is null and void. Thus, any assertion of an outstanding obligation based on such an exchange lacks lawful standing. 
XXXX XXXX : Immediate correction of these accounts to reflect " Paid as Agreed '' or full removal from all consumer reporting agencies.

Proof of Contract : A verified copy of the original contract showing that the Principal knowingly and lawfully agreed to act as surety. 

Cease & Desist Further Reporting : Any continued reporting, assumption of consent, or attempts to enforce an obligation without verifiable proof shall be deemed willful misrepresentation and injurious. 

Notice of Opt-Out : If consent is presumed in this matter, let this serve as a formal, written Opt-Out Notice, reaffirming that these entities lack standing to furnish or process my private information. Failure to act immediately will be escalated to further administrative remedy. 

I demand a full investigation and correction of this matter in accordance with equity, constitutional protections, and consumer financial laws. 

Sincerely, XXXX XXXX : XXXX Without Prejudice All Rights Reserved
Product: Checking or savings account

I tried to open an account at a local bank and 3 days later they told me they need to close my account. The bank told me it was in there system to call XXXX XXXX XXXX because there was a check fraud placed on my consumer report. I called them and they named a bank that I'm not familiar with. Please help me solve this problem, my identity was stolen before back in 2011. I have a fraud alert on my credit report now.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I have a cash reward credit card from Bank of America, the starting credit line was around XXXX dollars. In XX/XX/XXXX, I accidentally paid round XXXX dollars, which means around XXXX dollars overpayment, and I did not know I could get that XXXX dollars back as cash at that time. Then during the first 6 months of XXXX, my credit card was used for purchases of around XXXX dollars without me noticing. I reported fraud to bank of america, and they returned that XXXX dollars back to me as credit in my credit card, and I was told by the agent that I can call the bank to transfer that extra credit to cash, but he did not tell me that I have to do it within that billing cycle. I did the following under the circumstance that I do not owe the bank any money, in other words, the balance of my credit card is XXXX. I called the bank on XX/XX/XXXX, and asked them to give my XXXX dollars back, however they told me that I can only do so if I requeste the transfer within the billing cycle which the overpayment happened. So that means I lose XXXX dollars for no reason. It makes no sense at all that I can not have the XXXX dollars back even though it has been a long time.
Product: Credit reporting or other personal consumer reports

my mother has been stealing my identity i did not have a car loan XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Debt collection

I have been contacting ProCollect for over a week now in regards to an open debt they have with my name. I have formally requested the information like they asked. They are still trying to collect the debt even when I keep repeating its a result of identity theft. There is an open criminal case and the detective is requesting I speak to them to obtain info needed even if I have to sign an affidavit. But the collection agency is absolutely no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL.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 an account without my written instructions
Product: Debt collection

Calls saying a file on debt that has already been resolved Also issue is over XXXX XXXX XXXX XXXX says they are XXXX XXXX This is not from them It is from a scam group telephone number XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX ( {$1000.00} ) Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX ( {$1400.00} ) Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : 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 an account without my written instructions 15 U.S.C. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 know or has reasonable cause to believe that the information is inacurate
Product: Debt collection

XXXX XXXX, XXXX, around XXXX XXXX, a representative by the name of XXXX XXXX of XXXX called my home. XXXX stated, " I am with XXXX. XXXX is in the process of filing suit against you for {$6000.00}. We are trying to collect at least the XXXX grand that you owe. " I did have an account XXXX in XX/XX/XXXX ( {$900.00} and made XXXX payment of {$99.00} ), however, I filed bankruptcy, during that time and my home was sold ( XX/XX/XXXX ). 

The representative referred to me by my present name, and former name ( last name of marriage ). " XXXX XXXX '' ended the call when I told him that I was going to contact an attorney.
Product: Money transfer, virtual currency, or money service

Paypal send me an email last XX/XX/2021, XXXX XXXX that my account was permanently limited/restricted with case no. Ref ID - XXXX without any clear basis? I don't know why and what violation I did? They never tell me and without any clear basis. As far as I know, I never violate any of their rules. This results in my business shutdown and they hold my money amounting to {$880.00} on my paypal account for 180-days. 

I have already contacted their customer service and they told me that their decision is final but, they can not disclose any specific reason why my account has been permanently restricted. And they hold my money for 180-days without any reason. 

How can I feed my family, they just let us die starving with my hard earned money on their hands? I don't know what kind of evil doing is that? I just want to get back my money and restore my account to properly run my business again. Because, I work hard for it and dedicated a lot of time on it and they just took my money and shutdown my business without any valid reason. I hope you can help me with this problem. Thank you and God bless.
Product: Debt collection

Transunion negligently violated my rights to privacy and maxium accuracy delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Product: Credit card

The company called credit karma falsely advertised my outstanding approval odds of a credit card and I never got the credit card and wasn't approved but yet it was on my credit report.
Product: Credit reporting or other personal consumer reports

Navy federal Credit Union Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX After checking an updated copy of my credit report, I have found a few accounts listed above that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. In accordance with Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matter of accuracy, completeness and be able to verify each specific entry, according to FCRA 15 U.S. CODE 1681 ( A ) ( 1.A ) by law the account has to be removed while under investigation. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. Also, ( Navy Federal Credit Union, XXXX, and XXXX XXXX XXXX XXXX ) reflecting payments saying I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you not even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I WAS NEVER LATE ON THESE ACCOUNTS I WAS NEVER LATE ON PAID ACCOUNTS WHICH THEY FAILED TO SHOW PROOF OF DOCUMENTS OF TRANSACTIONS SHOWING I WAS EVER LATE. ALSO FAILED TO VALIDATE ANY ACCOUNTS REFLECTING ON MY CREDIT THAT I HAVE NEVER DID BUSINESS WITH according to Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX   XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}
Product: Debt collection

I am trying to explain this debt collector over XXXX XXXX and try to dispute this debt by XXXX XXXX XXXX debt owned by LVNV Funding LLC for amount XXXX XXXX They threaten me to sue and not respond with my signature when this debt sold to them without my authorization which is violation under FCRA regulations.