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

For the last 6 months i have been trying to remove negative items off of my credit report.. the accounts attached are not reporting accurate and is a violation of 1681e ( b ) ( b ) .. after disputing i get hit with either stall letters OR being told that my accounts are verified and accurate but they are still reporting inaccurately.. 

When told to validate the verification under XXXX i continuously get the run around or not provided the information.. if this cant be provided then by law the accounts in question need to be deleted.. also the accounts that have been disputed have not been reflected on my credit report and it has been way past 30 days.. ( which is a violation of XXXX ( XXXX ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXXXXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX  XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Iam writing to dispute an account that has been fraudulently reported under my name. This account does not belong to me and was opened or used without my authorization. Below is a summary of what happened, my supporting evidence, and applicable legal citations that support my claim for the remova The account in question was opened or used without my knowledge or consent. 

I have no financial ties to the creditor in question nor any agreement to be held liable for this account.

This fraudulent account has negatively impacted my credit score and caused undue financial stress. 


Actions Taken : 1. Fraud Report Filed : I have submitted an identity theft report through the Federal Trade Commission ( FTC ) at identitytheft.gov.

2.Creditor Contact : I contacted the creditor to dispute this account and requested an investigation. 

Legal Basis for My Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 The FCRA allows victims of identity theft to block fraudulent information from their credit report. 

According to 1681c-2 ( a ), a consumer reporting agency must block the reporting of information resulting from identity theft if : The consumer notifies the agency of the identity theft. 

The consumer provides a valid identity theft report. 



2. FCRA, 15 U.S.C. 1681i Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the investigation determines the information is inaccurate or unverifiable, the agency must delete it. 


3. Case Law Supporting My Dispute XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforces the consumer 's right to dispute and remove inaccurate or fraudulent information from their credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Highlights the responsibility of credit reporting agencies to investigate and remove unverifiable or inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. XXXX   Experian, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bill for account ALLY FINANCIAL Reported : XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX DEALER FINANCE. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 XXXX.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without written instructions
Product: Mortgage

XXXX. I am a retired XXXX. For the past six years I have applied for loans from Bank Of America and XXXX XXXX. to secure financing for XXXX XXXX to help with the Affordable Care Act.Both banks denied the loans. XXXX XXXX 2015 I filed suit against the Bank Of America for inaccurte information they reported to the Credit Bureaus. This discriminatory act violates the Equal Credit Opportunity Act negatively impacting my business plans and giving less access to financing.. The Bank Of America put a lien, a subordinate loan on my property preventing me from using the equity in my home for a loan. I need immediate help and your assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle In XX/XX/2019 and later filed for bankruptcy. This vehicle was listed on the bankruptcy and during that time I was involved in an accident where the car was totaled however the vehicle is listed as a repossession and late payment even though it was paid in full by the insurance company. This is through XXXX XXXX
Product: Credit reporting or other personal consumer reports

They continue to say my account is late when its not and I have proof that its been paid on time
Product: Debt collection

My identity was acquired to open unauthorized accounts. I disputed the accounts from my credit report and still have not recieved a response from any of the 3 credit bureaus in over 60 Days. I also paid off my automobile with XXXX XXXX over a year ago, also something that is still on my credit report.
Product: Debt collection

On XX/XX/2022 a XXXX loan for XXXX was taken out in my name over the internet is what i was told by the company. Prior to this incident police reports shows that my identification was stolen and my car was broken into so i had to go get a new social and other personal identification cards but my information was being used by someone other than me and i have been paying it for it since for years!
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. 

Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, Account name : # Listed below, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 


ACCEPTANCE NOW Account Number XXXX XXXX & XXXX Account Number XXXX XXXX  COLLECTION XXXX  I Account Number XXXX Account Info Account Name XXXX  XXXX BANK Account Number XXXX XXXX  CREDIT  XXXX Account XXXX XXXX XXXX CREDIT  XXXX Account Number XXXX Account Type Auto Loan Account Name XXXX CREDIT XXXX  Account Number XXXX Account Type Unsecured Account Name XXXX CREDIT XXXX Account Number XXXX Account Type NA Responsibility Individual Account Name XXXX CONSUMER XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Account Name XXXX INC Account Number XXXX Account Type Line of Credit XXXX FEDERAL XXXX Account Number XXXX Account Type Auto Loan
Product: Money transfer, virtual currency, or money service

I'm XXXX  XXXX  senior recently laid off and need your help. 
Paypal didn't pay me a refund of {$2600.00} that I am entitled to as a customer protection warranty. Also, Paypal has limited my account to the point that I can't even transfer my remaining balance of {$270.00} to my checking account. 
The {$2600.00} owed to me is a refund for an item that I bought on XXXX on XX/XX/2022, and returned to the seller because it wasn't as described. I followed Paypal 's directions correctly in order to get my refund. 
The seller received the returned item as it is stated by the tracking information from USPS express mail. 

Paypal has ignored all my verbal and written messages, and finally, the customer representative told me that their system algorithm " has decided to block my account indefinitely ''. 
There is not a clear explanation from them about this problem. 
Sincerely, XXXX.
Product: Mortgage

I would like to get my PMI cancelled. My current principal balance is XXXX. I believe the market value of my home is greater than XXXX. For reference, Quicken 's own refinance tool estimates my home 's value at XXXX XXXX says XXXX. Quicken is stopping me from cancelling the PMI by stating that : 1. I must have the loan for 2 years before I can request a reappraisal 2. I must have done some major renovations / structural add-ons Neither of these are supported by the note or accompanying PMI disclosure I signed at closing. 

I'm also told that even if they did perform an appraisal, it would not be representative of the current market. XXXX that helped me stated that even though the houses around you are going for a more expensive amount, our appraisal will primarily just focus on the improvements you've made with little consideration for the actual market-value of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 a account without my written instruction.
Product: Credit card

I sent this Credit Card Company three INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTY SELF EXECUTING CONTRACTS. They failed to respond back. These are the dates I mailed them certified mail.DC dates are as follows : first one sent XX/XX/year> - second one sent on XX/XX/year> - third one sent on XX/XX/year>. Dates they received them is available on request.
Product: Debt collection

This is a new and separate complaint about XXXX and XXXX, a fraudulent debt collection firm located in XXXX, Rhode Island. I am also making a complaint to the State of Rhode Island 's Disciplinary Board for false conduct of attorneys. 

This law firm wrongly and falsely wrote to the CFPB that a debt from Bank of America ( BofA ) and/or FIA Card Services was litigated at Washington Superior Court , Case # XXXX. The online court docket clearly shows this was a default judgment ( attached ), not a litigated judgment to decision. 

Also attached is a false affidavit from that case made by FIA that references an account ending in # XXXX, but attached to that affidavit is a BofA WorldPoints statement ending in # XXXX. XXXX and XXXX 's demand letter references the same debt ( account ending in # XXXX or # XXXX ), however, XXXX XXXX of BofA ( XXXX ) XXXX, has called me twice and admitted BofA had NO records for the WorldPoints statement and account ending in # XXXX ( and later changed to # XXXX by FIA ). No credit application with my signature, no proof of charges I made. 

While the alleged originator of debt, BofA, has admitted they have no proof, XXXX and XXXX falsely claim this office, in consultation with Bank of America, N.A., have thoroughly reviewed your account and have concluded that all charges were properly assessed to your account. 

XXXX and XXXX did not stop there. They made additional and intentionally false claims against me by attaching XXXX unrelated statements from BofA cards in years XXXX and XXXX, ending in # XXXX and # XXXX. They also falsely point to airline travel at that time and charge-offs in XXXX. What was charged off was fraudulent activity!! Nothing I personally charged. 

I am a well-documented victim of identity theft, see police reports attached. XXXX and XXXX are fraudulent debt collectors who bought an alleged debt that even the originator ( BofA ) can not prove. They continue to pursue an innocent person by MANUFACTURING alleged proof. Their letter ( attached ) is false as NO proof exists that I ever signed up for the subject BofA WorldPoints card ending in # XXXX, which account was allegedly changed to FIA Card Services # XXXX. This debt collection firm needs to have its law license revoked.
Product: Credit card or prepaid card

On XX/XX/2022, a hard inquired showed on my credit report for a target store. This was not me. 
Contacting you has been my first step.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. 

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 


Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.
Product: Payday loan, title loan, or personal loan

Call the company back in XXXX about this loan in which I have taken this loan out in XXXX. I only borrow XXXX in which I was paying like XXXX or more per month for at least 2 yrs. I feel that each and every time I make a payment it does not appear that this loan is ever going away. I just check on the dashboard and shows that I still owed XXXX which is ridiculous. I have try to call the toll free number and it appears that it's a bogus number not able to reach a lived person or speak to them about this outrageous loan that I have gotten myself into in the first place. I want the payment to cease immediately for I am out of work and can not afford this extra expense at this time. When calling the local office I will get the same answers that this is what you owed. I seen where they were sued and fined for 9 million dollars for this unscrupulous practice. It seen that they not learned anything from this action against consumers. I just want to my title back to my vehicle and not owe them anything else. 2 years should be enough for I have paid over the amount that I borrowed from this company. 

XXXX XXXX XXXX XXXX : XXXX {$72.00} Amount to renew today Payment due date XX/XX/XXXX Pay-off amount {$560.00} Originated on XX/XX/XXXX {$560.00} Access Documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
Experian Shows XXXX  Card entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX XXXX  Shows XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This PENN CREDIT CORP account with a balance {$550.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.