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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I noticed that there were 9 transactions on my account when I woke up that morning I noticed these transactions were done between the hours of XXXX and like XXXX, while I was sleeping. I reported it immediately thru their automated system, I could not dispute the transactions until the opened at XXXX. The total amount that was taken out my account was XXXX, plus fees, this card was stolen by either my secretary or my sister, they were the only ones in the home at that time. Of course they are both denying it, so I have to dispute. These people have access to my paperwork in my home, which I do have a book that I have to write everything down in. I reported this immediately, now I have to wait 10 business days for them to tell me if they can issue a provisional credit to the account, the sad back is that I have a daily withdrawal limit of XXXX on my account, they can not tell me how or why this was able to take place. Reading their disclosure I have a zero liability thru XXXX, and I have a credit card, and when it means zero liability they are supposed t issue provisional credit during the investigation. I am so upset with the lack of customer service.
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 the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : DEPT OF EDUCATION/NELNET
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new attempt to dispute the items in my credit file which resulted from an inaccurate credit information. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ==========EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit card or prepaid card

WHERE IS MY REPLACEMENT CHECK FOR THE ONE YOU ILLEGALLY STOPPED PAYMENT ON???? YOU STILL OWE ME THE MONEY PLUS THE {$15.00} MY BANK CHARGED ME FOR YOUR BOGUS CHECK!!!! WHY HAVEN'T I GOTTEN THE EMAIL I REQUESTED???? DO THE ROBOTS NOT KNOW HOW TO TYPE EMAILS???? I DON'T WANT THEM CALLING ME EITHER!!!! SCAMMERS AND THIEVES!!!!!
Product: Debt collection

Company did not proved me w/ notification that I could dispute bill. I received no right to dispute letter/ mail I have NO contract w/ this company : XXXX XXXX On XX/XX/XXXX I received an alert that the company XXXX XXXX had placed a bill for the amount of {$370.00} on to my credit report. <P/>I called and was transferred 3 times, to a supervisor who told me that she saw my bill your report as a collection. <P/>This bill needs to be removed immediately from all 3 credit reporting sites immediatelyand that since it was from XX/XX/XXXX, her company does not have to tell me of any bill nor send a letter to dispute. <P/>I quoted her the FCRA regulation and she continued to proceed w/ the bill will stay on because : 1. I have NO contract w/ the company 2. The company did NOT send me a dispute letter alerting me of my right to dispute Report Accounts Account Details Dispute Guide Print XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$370.00} Balance Updated - Credit Limit - Past Due Amount {$370.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$370.00} Comments - Payment History XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : XXXX XXXX XXXX XXXXXXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 
Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 
Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

Dear CFPB Representative, I am submitting this response regarding my complaint against TransUnion, and Equifax.

These credit bureaus have already completed their investigation and provided a final decision through their dispute portals. However, they are now requesting more time on CFPB, which appears to be a stalling tactic.

This delay and refusal to provide direct verification is unnecessary because : 1. **XXXX has already deleted the bankruptcy**, meaning they could not verify it.

TransUnion and Equifax should follow suit.

2. **TransUnion has already completed its investigation** and claimed verification, yet it has not provided details of its verification process.

3. **Equifax relies on XXXX XXXX which has been unresponsive and does not directly obtain records from bankruptcy courts. 
4. **If XXXX could not verify and deleted the bankruptcy, TransUnion and Equifax should not be able to verify it either. ** # # # Attached Evidence : - **TransUnion 's response letter confirming their investigation is complete. ** - **Investigation results from TransUnion showing the bankruptcy was 'verified '. ** - **Equifax 's response showing verification through XXXX XXXX rather than an original source. ** I appreciate your prompt attention to this matter and look forward to a fair resolution. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

TD bank has suddenly blocked access to multiple finance applications. I am unable to link my bank account to XXXX, XXXX, or XXXX just to name a few. I need these applications so that I can invest and save my money. I was able to link my account previously so this is definitely something new. I no longer am able to automatically save and invest my own money and that is not fair.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
Product: Debt collection

Here is the THIRD written formal complaint/DISPUTE to US Collections West and XXXX at XXXX XXXX XXXX XXXX for encroaching my rights as a consumer with multiple violations of False and misleading statements and attempting to collect on a debt amount that is not owed. 
I am disputing the following : The lease was terminated early due to a domestic abuse situation with my ex that took place at the apartment. The apartments were notified and given a copy of the police report and protective order ( that the Town of XXXX filed for me ) and the collection agency was too. 
The date on my written move out notice was changed to a month later without my knowledge/approval/initials. 
The eviction mark on my credit report. 
EVERY outstanding charge ( which I have already requested an itemized break down in writing on XX/XX/XXXX and was told by the apartments the records were in storage! ). 

To further add, I submitted my first written dispute in XX/XX/XXXX and received NO supporting documentation or even a sufficient resolution/explanation to the dispute. On XX/XX/XXXX I was provided a print out of an email from the apartments simply stating we verified the balance is still due for apt # XXXX. Completely bypassing the detailed dispute letter sent in XX/XX/XXXX that included the points above I am disputing. 
Then, XX/XX/XXXX I receive a letter from an attorney retained by US Collections West stating I am going to be sued for {$2800.00} unless I dispute the validity of this debt in writing they will assume it is valid ( I just did this in XX/XX/XXXX ). So on XX/XX/XXXX I submitted in writing via email to XXXX and a XXXX XXXX XXXX, XXXX who on her email signature states she is the Assistant Community Manager to XXXX XXXX ( apartment complex we are discussing ) re-disputing these remaining charges who she told me the records were in storage and XXXX hasn't responded or even acknowledged they received my dispute and are working on a resolution. I paid {$1800.00} in XX/XX/XXXX that was advised by a representative US Collections West ( which wasn't even the correct amount and have emails to prove that as well ). I have tried to make this right, but both the collection agency and the apartment complex are violating many rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/year>2024 I sent a letter regarding inaccurate and unknown things on my consumer report. to this day over 45 days later I have not received a response as of yet. I feel like my disputes are being ignored and im being taken advantage of. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report it has been XXXX  days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I need this fraudulent address removed from my credit report. I contacted Experian by phone and they sent me this form letter email reply along with my driver 's license and utility bill ( ATTACHED ). asking for more information that was already sent to them 4 times before along with an identity theft report signed by my local police department. 

Please remove the fraudulent address XXXX XXXX XXXX XXXXXXXX Tx XXXX along with the fraudulent accounts attached to it. 

They ask you to upload it at experian.com/upload, but it just keeps bringing you back to the original page to fill your personal information out again. This is the same issue that XXXX was doing when trying to upload on their website they didn't fix it until they received a heavy fine. 

Name : XXXX XXXX XXXX XXXX XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A loan company has reported a debt which is protected by a corporate shield.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXXXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other other adverse items 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 knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Dear can I am trying to apply for refinancing under harp. And Ocwen. Has put me. Late payments. When that is not true and banks are denying me for a principal refuction
Product: Credit reporting or other personal consumer reports

Despite two requests for debt validation submitted through the CFPB, XXXX XXXX XXXX has failed to provide the required documentation to substantiate their claim and validate the alleged debt. They continue to report this unvalidated debt to consumer reporting agenciesXXXX XXXXXXXX, and Experianin violation of federal law. Please see attached.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Method of Verification, Debt Validation & Immediate Deletion Re : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Dear EQUIFAX , EXPERIAN & TRANSUNION , I am formally disputing the inaccurate and unverified collection accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), you are required to conduct a proper reinvestigation of disputed accounts and ensure all reported information is 100 % accurate, verifiable, and substantiated.

Method of Verification ( FCRA 1681i ( a ) ( 2 ) ) I demand that you provide me with : 1. The name, address, and contact information of the entity that verified this account.

2. The exact method used to verify the listed accounts legitimacy.

3. A detailed explanation, including the date and parties involved in your investigation. 

If you can not provide this documentation, this account must be permanently deleted from my credit report immediately, as required under FCRA 1681i ( a ) ( 5 ) ( A ). Debt Validation ( FDCPA 15 U.S.C. 1692g ( b ) ) Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.
S.C. 1692g, I demand that XXXX XXXX XXXX XXXX XXXX XXXX provide me with : 1. The original signed contract or agreement bearing my signature, proving I authorized this debt.

2. A full itemized accounting of the alleged debt, including principal, interest, fees, and payments made.

3. Proof of their legal authority to collect on this debt.

Since I never authorized this company to obtain my personal information, their furnishing of this account to the credit bureaus without my consent violates FCRA 1681b ( f ) and constitutes an unauthorized, unlawful furnishing of data.

Demand for Immediate Deletion As per FCRA 1681c ( a ) and FCRA 1681s-2 ( a ) ( 1 ), unverified and inaccurate accounts must be promptly deleted. If you fail to remove this unverifiable account, you will be in willful noncompliance with federal law, and I will seek legal remedies, including statutory and actual damages under FCRA 1681n.

Failure to comply within 30 days from receipt of this letter will leave me no choice but to escalate these matters to the the Federal Trade Commission ( FTC ), and legal action in federal court. 

This letter serves as formal notice under the FCRA and FDCPA. I expect a response confirming the permanent deletion of this account. 

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

There has recently been a XXXX XXXX XXXX XXXX. Stolen from XXXX XXXX XXXX ( XXXX  ) where XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least XXXX decades. My public information including my social security number has been stolen. Therefore the following account should be deleted from my credit report immediately. These are unauthorized accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The above accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) Please delete these accounts immediately.
Product: Debt collection

I am writing to formally request the immediate deletion of inaccurate information from my credit file. Under Section 392.101 of the Texas Finance Code, third-party debt collectors or credit bureaus are prohibited from engaging in debt collection in Texas without an active surety bond filed with the Office of the Secretary of State. Santander Consumer USA does not have an active surety bond, which means they are not authorized to engage in debt collection in the state of Texas. This constitutes a false representation on my credit report. 

I kindly request that this entry be removed immediately to ensure my credit file accurately reflects my financial standing. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I AM WRITING TO FORMALLLY RAISE A COMPLAINT REGARDING ACTIONS TAKEN ON MY ACCOUNT WITHOUTH MY AUTHORIZATION MY ACCOUNT WAS FROZEN, AND FUNDS WERE WITHDRAWN. THIS ACTION CAUSED SIGNIFICANT FINANCIAL HARDSHIP AND CONFUSION, AS I WAS NOT NOTIFIED BEFOREHAND OR PROVIDED WITH ANY LEGAL JUSTIFICATION FOR THIS ACTION. 

I have a payment plan in place to pay {$1700.00} in six installments of {$250.00} I made an additional child support payment of {$800.00} on XX/XX/year> I have never used my bank account to pay child support payment, Meaning this garnishment was processed without proper authorization. M & T also charged a {$150.00} Legal Fee Wrongful garnishment & Unauthorized XXXX XXXX misconduct financial & emotional Harm
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 in months that are reported late 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. 
XXXX XXXX XXXX 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