23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One B account was opened in XX/XX/XXXX with out my knowledge. Account XXXX. Balance is {$3300.00}. During a routine security clearance investigation by the XXXX in XX/XX/XXXX I was informed by the special agent handling my clearance that I had a closed account and Capital One bill. I was stationed overseas at XXXX XXXX XXXX, XXXX when this occurred. I did not give consent for this account to be opened. Also, I have no bills or have not been provided any documentation from Capital one B. I contacted Capital One B to resolve this debt. Additionally, a recorded statement was also made with Capital one B that I never used their services. Capital One B requested documentation showing that I was out of the country and were provided via FAX per there request.
Product: Debt collection

On XXXX i seen some accounts on my credit report from a company called CMRE account number XXXX and XXXX and noticed that those these 2 accounts did not look familiar to me so i contacted XXXX  and XXXX  and they removed the accounts. I look at my credit again and the same accounts are appearing once again. These 2 accounts are fraudulent and need to be removed from my credit immediately. i do not owe no medical bills i have not been to any doctor in XX/XX/2020. Please see attached Identity theft victims complaint Affidavit and California drivers license to support my claim.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on ( XXXX XXXX ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA 605B entails the deletion of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts exhibit inaccuracies in terms of reporting, erroneous amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act - Section 15 U.S.C. 1681b Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, as authorized by the Fair Credit Reporting Act ( FCRA ) under Section 15 U.S.C. 1681b. After thoroughly reviewing my credit report, obtained from your agency, I have identified certain discrepancies that require immediate attention and correction.

Please find below the details of the disputed information : Explanation of Dispute : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal prosecutor consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions to the accounts listed IMMEDIATELY! 

Furthermore, I am enclosing copies of relevant supporting documents, including but not limited to receipts, statements, or other evidence that substantiate my claim. I kindly request that you investigate this matter promptly, as the incorrect information on my credit report negatively impacts my creditworthiness and financial well-being. 

According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice. I expect you to contact the creditor in question and verify the inaccuracies as part of your investigation. Once complete, I request that you provide me with a written response detailing the results of your investigation, including any changes or updates made to my credit report as a result. 

In accordance with the FCRA, I also request that you inform all parties who received my credit report within the past six months of the dispute and provide them with the corrected information. 

I appreciate your attention to this matter and your compliance with the FCRA. Please consider this letter as an official notice and be aware that I will not hesitate to take further legal action if my rights under the statute are not properly upheld. 

I look forward to your prompt resolution of this dispute and the subsequent correction of my credit report. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.

Debt Collectors do not have any lawful right to be in possession of my identifying information.

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. 

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having submitted disputes for the accounts listed below to XXXX, Equifax, and XXXX, I have not received any response from these credit bureaus concerning these accounts. This lack of response is a clear and willful violation of the laws governing financial credit reporting acts. 

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 To bring to your attention a matter of utmost importance regarding the negligence displayed by credit bureaus in removing unauthorized derogatory accounts from my credit reports. 

The absence of a response has hindered my ability to contest the accuracy of the information and investigate potential cases of identity theft. As a result, I have been prevented from mitigating the harm caused, which in turn has affected my capacity to engage in contractual agreements and conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review. 

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX, Account Name : 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. 

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 adverse items of information, other than records of convictions, crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

I have not authorize any of these Inquiries to XXXX po box XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX This is scheduled to continue on my record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX This is scheduled to continue on my record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. This is scheduled to continue on my record until XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was trying to sell an item on XXXX XXXX. The scammer Attempted to pay me using what is a XXXX business account. I received an email from them. The email was XXXX. I did not notice that they did not notice that it was fraudulent at first. I sent XXXX XXXX dollars to a suspected representative at XXXX. He was win they were trying to gather more money that I realized I was being scammed. I tried to stop the {$400.00} transaction but I was unable to. I called my bank at Chase. To stop the service, but they could not do anything.
Product: Debt collection

ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$2500.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt. 

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

I didnt know my bill was not coming off my card no one contacted me about a late payment and the turned it over to collections XXXX XXXX as of XXXX are not supposed to be on your credit report and they are on my Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 1 of MANY attempts with this company. Their last response was a general response, and I want this problem fixed asap. I am writing to dispute ONCE AGAIN about the errors on my credit report pertaining to the inquiries on my file. These inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX Balance {$5800.00} DPT EDXXXX XXXX Balance {$0.00} 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, credit repair services, or other personal consumer reports

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a XXXX  day late payment posted in XX/XX/XXXXXXXX XXXX a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating XXXX5 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX USDOE/XXXX  Account XXXX : XXXX USDOE/XXXX Account number : XXXX USDOE/XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

THIS IS MY 2ND ATTEMPT TO CONTACT ACCOUNT BROKERS DEALING WITH THESE ALLEGED DEBTS OF ( {$2300.00}, AND XXXX ), THAT I DO NOT OWE.I SENT THE FIRST LETTERS OFF ON XX/XX/2020 AND THEY DIDN'T RESPOND, AND I RECENTLY SENT THE LAST LETTERS OFF ON XX/XX/2020, WITH NO RESPONSE TO THOSE EITHER.IT IS A VIOLATION OF THE CREDIT LAWS BY NOT RESPONDING WITHIN 30 DAYS AND THIS IS DAMAGING MY CREDIT WITH THESE INACCURATE ACCOUNTS.I HAVE ATTACH COPIES BELOW FOR YOU TO SEE.
Product: Credit reporting or other personal consumer reports

Transunion failed to validate how they were reporting information for a collection agency on my credit report. I contacted the original creditor and they stated that they collection agency is not the same company that Transunion is reporting for account XXXX. The balance on this account is inaccurate. My XXXX report showed the balance at {$5300.00}, and now the XXXX report shows {$5300.00}. A collection agency is not allowed to charge interest, or any new fees so why is this balance incorrect? I will be seeking legal action if the account is not removed from my credit report. I have also attached an invoice for the number of violations from your company. This account is to be removed and payment remitted to the address on the invoice within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed an acct with collection agency XXXX XXXX XXXX the accts have been removed from XXXX bureaus butg is verified on equifax only i disputed this acct several times and have not received and verification the debt is mine in writing or a valid verification due to how can a collection agency validate a debt without original signed contract from original debtor. Ive sent documentation explaining its not me its a fraud acct but its been removed from XXXX, XXXX both XXXX XXXX XXXX acct but 1 remains only on equifax as verified and its not my acct this is holding me up from making life changes in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX finance has on my credit report a repossession when I have my title and receipt of full payment of the car
Product: Mortgage

I am writing today to explain my current financial situation. Unfortunately for several years, I was not handling my own finances. My husband took over total control of the finances and became XXXX and XXXX XXXX along with having XXXX XXXX. On his third attempt, he committed XXXX on XX/XX/2021 and I am now able to handle the rebuilding of my finances. Along with my social security of {$2300.00} I am working full time earning approximately {$2300.00} per month at XXXX XXXX. This would adjust to {$55000.00} per year. I am also receiving XXXX  income totaling {$30000.00} per year a for a total income of approximately {$85000.00}. I would like to propose a trail payment plan of a direct withdrawal of my monthly mortgage payment from my checking account for the next 6 months. If income and on time payments continue then be reconsidered and continue with the direct withdrawal process.