23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Validation by Creditor To Verify Trade Line on Credit Report Accounts To Whom It May Concern : I sent certified mail about my original contact, for validation for NCA my acct # XXXX I need original agreement.NCA have not respond, toward my letter no emotional response.

I am formally requesting that you validate all trade line notations you have submitted to the XXXX major I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I must also demand certified/notarized copies of the original documentation and any contracts or documents that I may have signed. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line during any and all claimed time periods.

Please know that you have XXXX  days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties will provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. This notice shall also serve as a limited cease and
desist order, and a demand that all future communication be in writing, via postal mail.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

I look forward to a timely and amicable resolution to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

ACCOUNT MANAGEMENT SER ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus 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

Equifax XXXX : XXXX XXXX XXXX, 2022 XXXX : XXXX, XXXX. 
XXXX XXXX, 2022 XXXX XXXX XXXX/2022XXXX XXXX, 2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XX/XX/2022
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, account # XXXX, XXXX Mortgage, XXXX, account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX Bank XXXX account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report 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 XXXX years. 

15 U.S.C. 1681s-2 section 623 ( 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: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights.

This Consumer Complaint is against Optimum Outcomes , Inc. for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )
Product: Credit card

I couldnt get any information from the Credit Card Company. I asked for paper work and they refused to send anything saying they do not send out paper information. I asked for a letter or something that would give me information on the card. I don't even have the credit card number. I just got a phone call one day saying I owed money on this credit card and needed to set up payments. I know nothing on this card. The Card Company is Capital One. I know they are being investigated and I think they need investigating on this matter. It may have happened to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a XXXX + credit score even with me owning my own home and paying off vehicles. Even while being a victim of XXXX fraud victim, they still have not updated me on the status of my compensation on that issue.
Product: Credit reporting or other personal consumer reports

On the morning of XXXX  I was informed through my banking app, that a new credit inquiry had been done with Capital One. 

I have not/nor have I every opened an account / credit card with Capital One. 

This to me seemed as textbook fraudulent activity with my information. 

The Date of Inquiry said XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XXXX Phone : XXXX XXXX XXXX XXXXXXXX Inquiry Type : Individual I tried to speak with some of the representatives with Capital One to get some assistance and report this fraudulent activity, but was pulled back and forth like seven different times through various departments and people, at one point I was even told that whatever card was procured, had already been mailed out and the application completed. 

I requested a copy of all their documents so that I could submit, but was not provided with said copies. 

I am very upset with what happened, this inquiry affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help this is my XXXX time reaching out, I did an investigation on my credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : AD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Thank you very much for your time.
Product: Credit reporting or other personal consumer reports

XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In XXXX  someone made multiple fraudulent purchases in my name including XXXX at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX XXXX  at XXXX  and unable to seek XXXX XXXX XXXX XXXX XXXX solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2023, I had {$50.00} in my cashapp account which i then tried to transfer to my bank account. The app seemed to have glitched a couple of times and not cash my money out but once it did and i checked my account, cashapp had charged me twice for the amount of {$49.00} and only deposited it once. So I just lost {$98.00} when i shouldve gained {$49.00}. Both the bank and cashapp said that they didnt see the charges on their end despite my providing screenshots of the money leaving my account twice.
Product: Credit reporting

I have disputed these account many times. These accounts are not mine. I request they be removed.
Product: Credit reporting or other personal consumer reports

I am writing to provide an explanation regarding the denial of my recent rental application. The reason cited for the denial, namely the presence of inaccurate and fraudulent accounts on my credit report, stems from unfortunate circumstances beyond my control. I am a victim of identity theft, and the false and invalid information on my credit report is adversely affecting my ability to secure housing. 

As a diligent and responsible individual, I understand the importance of maintaining good credit and financial integrity. However, despite my efforts to manage my finances prudently, I have become ensnared in a distressing situation involving identity theft. This criminal activity has resulted in the unauthorized opening of accounts and fraudulent transactions in my name, thereby tarnishing my credit history and undermining my credibility as a prospective tenant. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers are entitled to accurate and up-to-date credit reports, free from errors and fraudulent entries. Unfortunately, the presence of fraudulent accounts on my credit report has created a significant obstacle in my pursuit of suitable housing. The inaccurate portrayal of my creditworthiness due to identity theft is unjust and unfair, and it is impeding my ability to secure housing accommodations. 

I am taking proactive steps to address the repercussions of identity theft and rectify the erroneous information on my credit report. I have filed identity theft reports with the appropriate authorities and have initiated disputes with the credit reporting agencies to correct the inaccuracies. However, the resolution of these disputes have taken quite some time, and if you can understand the urgency of securing housing in the interim, it's greatly appreciated.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, which has resulted in my involvement in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that a fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you could address this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Was sold a vehicle that engine caught fire. Was not offered settlement now finance company is sueing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS REPORTING THE WRONG INFORMATION ON MY REPORT AFTER SO MANY ATTEMPT THEY ARE STILL DOING IT AND NOTHING IS BEING DONE ABOUT IT. 
15 USC 1681 ( a ) ( XXXX ) I have the right to privacy. 
So again according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I have not given you the right to share my information with XXXX party. 
According to 15 USC 1681 ( b ) ( XXXX ) nothing can be reported furnished on a consumer report without my written consent. 
THESE ARE A FEW ONES THEY ARE IN VIOLATIONS OF
Product: Vehicle loan or lease

On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX, in XXXX XXXX At that time I agreed to purchase an extended warranty and GAP INSURANCE. After a couple of days, I called the dealership and told them I did n't want it. I was told I would have to wait for it to go through the system before it could be canceled. I also wrote a letter and mailed it to BOTH the dealership and the insurance company to let them know formally that I wanted it canceled. I never got a response from either. I went back to the dealership on XXXX XXXX, I talked to the finance man, he said it would be taken care of and to keep a check on my vehicle statements to see the price drop so I would know when it had been done. It still is on my loan, but the insurance company says they have no record of a policy on me, I contacted my finance company XXXX XXXX XXXX, they told me to contact the dealership, as did the insurance company. The problem is and has been that the dealership wo n't return my calls or answer my attempts to contact them. They are over an hour away from my home and I ca n't run up there every day trying to resolve issues with them. I work an hour from home, which puts me 2 hours away from them and I ca n't be taking off of work to deal with them.It took them 2 months to even get me a tag for my car, which actually expired before they got me one, and even then I had to drive up there to get it after I had been promised they would deliver it to me. The Gap is {$790.00}, the extended warranty is {$2400.00}
Product: Debt collection

Loan in  XXXX  - 14 days late and due to my wife being in the hospital and having only  XXXX  income for  XXXX  children. I (  XXXX   XXXX   XXXX   ) informed manager (   XXXX   ) on Tuesday (   XXXX / XXXX /   17  ) I will promise to get payment in by Frid ay (   XXXX / XXXX /   17  ) with late fee. Also informed that I was currently at the hospital visited sick wife and I will get payment in by Friday. He said okay and we got off ca ll. Manger then proceeded to call back 4 more times within a 3 minute period and wh en I answered accused me of being my sick wife. I advised him I could not talk and payment will be in Friday. He then said he will start legal action because he does not believe it is m e (   XXXX   XXXX   XXXX   ).  I then hung up only to have him call back again and leave a voicemail that he thinks I 'm lying about being me and he will start legal action. So as times are already hard for my family this guy who clearly knows nothing is harassing and threatening me about being a couple weeks late on my loan which I still have all intentions of paying I just fell on a rough time for a short period of time. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint because the Credit Bureau Experian has not followed through with their XXXX day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX2022 because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX- {$590.00} account number : XXXX XXXX XXXX  ( XXXX ) - {$400.00} account number : XXXX XXXX- {$2000.00} account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # : XXXX, Account # : 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: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unresolved issue concerning fraudulent items on my credit report, despite my tenth attempt to rectify the situation. 

Despite providing comprehensive evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This ongoing issue not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you thoroughly investigate these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting or other personal consumer reports

I paid my Citibank credit card off years ago. I looked at my report on XXXX and it said I had a {$72.00} balance. I disputed it to make sure it was legit. Since my dispute, all of a sudden, the card that has been closed has been reopened and Im being charged interest. The company keeps telling me that I have been making {$25.00} automated payments from my account. When I told them that I was not, they insisted and said I am. When I gave them the last XXXX digits of my checking account number, it didnt even match what they had in front of them. This card has been paid and closed for at least XXXX yrs.