23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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
Product: Debt collection

This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$430.00}. 
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access. 
6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me inaccurate and potentially fraudulent information that is being reported on my credit report by TransUnion . I reviewed my credit report on XX/XX/year>, and noticed several discrepancies regarding the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing inaccurate and incomplete information, including the reporting of late payments for accounts that were closed. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on an individuals credit file. Unfortunately, the accounts listed above do not comply with this requirement. 

I have already reached out to TransUnion to dispute these accounts directly and requested an investigation into the inaccurate reporting. However, I have not yet received a satisfactory resolution, and the inaccurate information remains on my credit report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating this matter and taking the necessary actions to ensure that the inaccurate and potentially fraudulent information is removed from my credit report. The accounts in question are causing undue harm to my credit score and violating my rights under the FCRA. 

The actions I request include : 1. An investigation into the reporting of the accounts listed above by TransUnion. 
2. Removal of all inaccurate information associated with these accounts from my credit report, including any late payment reports for accounts that have been closed. 
3. Ensuring that the information is corrected to reflect accurate and complete data as required by the FCRA. 

Please find attached a copy of my credit report with the disputed accounts highlighted, as well as any relevant correspondence regarding my previous dispute with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting

Several years ago I received in the mail a notice from the XXXX XXXX XXXX for a delinquent debt for a XXXX account. I have NEVER used XXXX. After speaking with a XXXX representative, I was told to email a copy of a completed FTC Complaint and a photo ID to remove the debt from my name. I emailed both of these items to XXXX. This month, about 3 days later, this SAME collection is showing up on my CREDIT REPORT. I have contacted XXXX yet again and was told this account has DIFFERENT social security number affiliated with it. In order to have the collection removed I was told to AGAIN fax a copy of my FTC Complaint, a copy of my credit report, and a copy of a police report showing that I reported this incident. I faxed all of this information to XXXX six days ago and received a fax transmittal confirmation. I called XXXX billing department this morning and was told they have no recorded of receiving this information and that it could take up to 2 weeks so I just needed to be patient. I am incredibly doubtful that sending the same information to XXXX as I did 3 years ago will cause them to take any action towards removing this fraudulent collection from my credit report. I have exhausted all resources I possibly can to clear this up and the Company again is refusing to act. I am attempting to purchase a home and this collection has SERIOUS NEGATIVE IMPACT to my credit score. XXXX is costing me money, time, and effort and there is nothing it seems that will make them take action.
Product: Debt collection

debt collection remaining on credit report after 50 days dispute process, violation of FDCPA, credit reporting on all XXXX bureau, disclosure of verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this creditor to run my credit I have never heard of them nor request credit with them. 

Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Removed By : XX/XX/XXXX Type : XXXX XXXX Cards/Airlines
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the risk of phony accounts being established using my customer data. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I delivered my information by standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier since they had been " confirmed, '' the accounts that weren't mine were still shown in my documentation. I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. On XX/XX/XXXX, I got in touch with the three companies once more to ask how they could demonstrate that these accounts belonged to me. Since they said there wasn't much more they could do to help me, they advised me to talk with the debt collectors directly. Every bank that the client contacted at that same moment and came to me had been dialed improperly ; they had no clue who I was or what the accounts related to. Online investigation was done to make sure I wasn't incorrect. My friends told me to go to the CFPB website. I really hope this works since my family and I need the house we're trying to buy.
Product: Mortgage

Received foreclosure notice from foreclosure attorney XXXX. I spoke with customer service Planet Home Lending XXXX XXXX, requested assistance for my home to stop the foreclosure. I have called several times every week since I received the foreclosure letter. Spoke with XXXX XXXX XXXXXXXX Planet Home Lending I was told again by him and customer service I needed to speak with foreclosure attorney to get assistance. The attorney has told me since XXXX XXXX, XXXX he was sending my mortgage servicer and email to stop the sale and know he will not return my call. I have been given a different information every time I've called. I have been given bad information and the run around I have been in my home for over 10 years. I did not receive a letter stating the debt was being accelerated or a letter to validate the debt. I am requesting copy of deed and note. I want this information before my house forecloses. Tennesse law says I am supposed to receive this information when I request it. I have been affected by XXXX, my income has been reduced...
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXXXXXX XXXX  # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on XXXX while the XXXX and Equifax is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX I recieved an email informing me of pending purchases made on this credit card. KNowing for a fact i had not used this card in more than a month iim medially called to inform Imagine of what had happened. They sent me via email the form to fill out and told me if i got it back to them in a timely manner they would issue a provisional credit. I had it to them via fax in under XXXX hours and never saw a provisional credit and when i asked anyone about it they would change the subject. I then recieve notice that the dispute has be denied because their records indicate I accessed my account via my online login and I was provided wit hthe balance and transaction information during the time frame that I stated fraudulent charges were being made. First of all, I have never used the online method to view my account, I have the mobile app on my phone i use, XXXX this company takes days sometimes up to XXXX for the recent transaction history to appear on the app. The amount of credit available will be deducted according to the purchases. When I spoke to them on XX/XX/XXXX i asked the rep were the logins right before or after the charges were made and she said no it was a few days before i called in then put me on hold and said shes not sure. ( i have recorded every call with them ) I dont find that this excuse is in any way a viable reason to conclude this dispute. This is bad faith, they did a quick slppy investigation and I did not make these charges nor will i pay for them. They wont share any documents with me, heck, they didnt even call to say the second dispute had ended. very unethical and poor service. I have filed with identity theft.gov, now CFPB, im going tomorrow to my states attorney generals office, and to speak to a private lawyer for advise.I know if this was propery investigated the outcome would be that I didnt make the charges. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S CODE 1681E ( B ) AND 15 USC 1681i ( 5 ) THE ACCOUNT REFERENCE NUMBER XXXX WISCONSIN CHILD SUPPORT HAS VIOLATED MY RIGHTS. THIS IS NOT REPORTING 100 % ACCURATE IT LIST THE CHILD SUPPORT COURT AS THE FURNISHER THATS FORGERY AND MISLEADING WHEN THE COURTS DONT REPORT THIS TYPE OF ACCOUNT PLEASE REMOVE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Last month I had been going through a scam situation in which I thought I was transferring money for a professor from the XXXX XXXX XXXX who was across seas to a foster home that was in need, this transfer was made via XXXX. Originally the request was that I would personally purchase and mail items to the foster homes, the scammer told me that due to covid protocol the home did not want me sending things and instead send the money so their staff could make the purchases. I had been talking with this person for about two weeks on what items the foster home needed and when they would need it by. It had turned out this professors information had been compromised and it was not really him that I was doing this for but a scammer. He called me after the transfer and the voice on the phone threw me off and I realized it was a scam. As soon as I realized this I filed a police report and contacted the bank in XXXX Idaho. The bank manager told me I was liable for all the charges and there was no fraud protection. When I asked her if there was anything I can do she said she would get back to me. She never did. I called a again a few days later and was told she was in a meeting and would call me back. She never did. I went into the branch twice and she would not even show her face. I tried to work on doing a settlement so that I would not be liable for as much and she would not allow it saying it would go on my credit report and had a teller tell me that so that she did not have to talk directly to me. I had to open a new account which was recently closed the day after I wrote a bad review on XXXX for her. After almost a month they closed my savings and my new account, but left the one that was scammed open. They still have not said a single word to me. US Bank had never warned people of the risks of using XXXX, they never disclosed that it was unsecure and not protected. They forced every single person with a bank account there into having it without warning people. The total amount I was scammed for was {$3500.00}. I'm a poor college XXXX that was trying to do a good thing and I am being treated like I am a bad person that deserves to suffer from the bank manager. I filed a police report, reported it to the school, who refused to warn other students of the scam. I'm actively doing everything I can to warn people of what happened. According to the officer there were three people who's accounts were compromised and no one I warning students of what has happened. I do not want this to happen to anyone else. I want the bank to take responsibility for using an unsecured service that they didn't warn the people forced into it about.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Product: Bank account or service

Wells Fargo claims I opened up a line of credit with their bank for {$1000.00}. I have requested a copy of the proof as to when I signed for that account to be opened. They have refused and have continuously attempted to collect an outstanding amount of {$400.00}. They have reported this account as delinquent to all XXXX credit bureaus. 
I need you to assist in helping me identify if this is something I did open and if they can show proof I agreed to open.