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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. 

Given the urgency of these issues, I urge you to prioritize their resolution and expedite the correction process. Any further delay or lack of communication will compel me to escalate this complaint to relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused to my creditworthiness and financial standing. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$39000.00}.
Product: Debt collection

This notice is correspondence to a letter received from your company on ( XX/XX/XXXX ) where you state you are attempting to collect a debt of {$720.00} owed to the person XXXX XXXX XXXX. 
I dont have an agreement with FIRST SOURCE ADVANTAGE LLC or XXXX  XXXX XXXX  XXXX that proves my liability to this debt you are attempting to collect and refuse to pay this alleged debt until you or the original creditor provide me with the signed agreement with my signature on it your company has on file. This debt is a direct result of IDENTITY THEFT pursuant to 18USC1028. 

According to 15USC 1691 ( c ) Ceasing Communication ; THIS SECTION OF THE LAW STATES- If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 

Your offenses to reporting this alleged debt to collections amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). XXXX  XXXX knowingly transferred, possessed or used a means of identification of me without lawful authority which is a felony civil liability & defamation. 

Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule you must CEASE AND DESIST ALL COLLECTIONS ACTIVITY NOW. 


FIRST SOURCE ADVANTAGE LLC may not disclose my personal information to any third party for any cause. I am exercising my nondisclosure option pursuant to 15USC6802 ( b ). 

According to USC 6802 Section ( b ) OPT OUT THE LAW CLEARLY STATES THIS FACT. 
( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

According to 18USC1028 ( a ) THE LAW CLEARLY STATES HOW YOURE IN VIOLATION ( a ) Offenses. 
( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

If FIRST SOURCE ADVANTAGE LLC or XXXX XXXX XXXX attempt to collect this alleged debt not owed further, your company will be liable for all actual damages caused to my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please investigate and correct the following items immediately : XXXX XXXX XXXXXXXX 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

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 accounts 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/block any accounts 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. I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. 

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

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. FINANCIAL CREDIT NETWO, Account # XXXX
Product: Money transfers

I ' am a seller on eBay so I use PayPal for payment. I sold a XXXX XXXX XXXX handbag on XXXX/XXXX/16 and invoiced the buyer the same day for {$2500.00}, which included adult signature and insurance. The invoice was paid the same day, as the invoice on the invoice was the receipt, the box with the XXXX card. The buyer signed for the package on XXXX/XXXX/16 and I have proof from USPS of signature. The money is released to me but I never transferred to my bank account just online shopped using my PayPal account. Then the buyer wait until XXXX/XXXX/16 stating that she never received the item, which she did on the XXXX, and signed for it why, would she literally 7 days fraud that 's why. I sent PayPal all my info uploaded my usps documents Then on XXXX/XXXX/16 PayPal decided in my favor so they released the money to my account, the buyer and myself received the email as well. Then XXXX/XXXX/16 the buyer then take 7 more days to change her first claim from not received to oh she received it but now its not what she wanted. The first claim was false and the XXXX claim is false then I supported my timeline of events which is extremely a lie so PayPal decided in the buyers favor on XXXX/XXXX/16 this time due to her giving false documents, which she still have my item and they have a - {$2500.00} on my account if anyone read the time lines and my proof you can see how PayPal XXXX the sellers and make it where we are out of money and this go on our credit report. I filed a complaint with the XXXX, and I got a nasty response of basically XXXX it up - {$2500.00} and move on well I 'm not I also filed with the Texas XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I failed a dispute with the CFPB for Experian on XX/XX/XXXX stating that they are still reporting closed account and charge off and collections I have asked for proof of the validation requiring paperwork with my hand signature They have not but yet keeps closing my disputes and not removing the info they have failed to show proof this is my second time filing a dispute hopefully this gets taking care of I have sent them a second letter see law below They have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.
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 name : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 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

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Student loan

Repeatedly, I have asked for paper statements to be mailed to me detailing the amount due and the due dates. After each semester 's disbursement, Nelnet places me back into email only status and does not send me any information via USPS. 

Now, my {$2000.00} monthly payment is {$4000.00} as of XXXX. I want to know why, and their representatives do not understand how loan payments are calculated. 

I should be able to see this in a transaction history so that I can then calculate the new payment amount over the remaining or new term of the loan. 

No one there knows anything. I'm promised information in the mail and do not receive it.
Product: Checking or savings account

Chase bank used XXXX transfer pay and my funds of {$250.00} dollars were sent to the wrong person. Chase Bank is now stating they are not responsible for XXXX transfer payment going to wrong person. I reached out to them 1 week ago and they have failed to resolve stating they cant get my money back. They also state its not their responsibility yet this is a service provided by chase. I want my funds returned,
Product: Checking or savings account

XXXX XXXX XXXX, Several CFPB Complaints with the same bank Huntington Bank and same Checking Account, Substitute Checks USURY of Criminal Extortion XX/XX/2019 {$140.00} V - {$7.00} Bank Balance, Guardian Annuity Deposit XXXX of the month, Criminal Extortion and Embezzlements. Huntington Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account XXXX XXXX XXXX XXXX Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus Transunion and XXXX, and you have been able to verify this debt. How is this possible? This is not my account! 

I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to purchase a home and get a credit card.

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to the non compliance of ( experian, XXXX XXXX ). They have failed to remove information that I have challenged in the past and I strongly believe they are in violation of the FCRA and they are outright not upholding the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in an FTC report for 4 fraudulent accounts that are still reporting on my Equifax violating FCRA. I'd showed proof that this information has been removed from other credit bureaus due to the inaccurate information. Equifax is not following the FCRA. They are highly incompetent as a Consumer reporting agency. They haven't responded to my first complaint # XXXX. Confirmation number : XXXX is the current dispute number as to which an investigation is taking place when I have never received an investigation report.

Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted Equifax, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Between XXXX and XX/XX/year>, I transferred {$5000.00} through Crypto.com as part of a fraudulent scheme. I was coerced into making these transactions and reported the fraud immediately to Crypto.com, requesting assistance in retrieving my stolen funds. This is tied to my other complaint involving XXXX in that it has been communicated to the authorities including the FBI. 

Crypto.com has been uncooperative and evasive, consistently deflecting responsibility onto law enforcement instead of taking action to recover the funds. Despite multiple attempts to engage with their support team, they have refused to assist in tracking or reversing the transactions, despite their platform having the capability to monitor and flag fraudulent activity. 

Additionally, Crypto.com has ignored complaints through official consumer protection channels, including the Better Business Bureau, failing to engage in good faith resolution efforts. Their stance directly contradicts their own fraud policies and the expectations for financial institutions handling digital currency transactions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several accounts that were opened without my authorization. These fraudulent accounts are negatively impacting my credit history and affecting my ability to obtain credit. I respectfully request that these accounts be removed from my report to reflect only accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXX, experian and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports