23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights . Or a list of inquiries : 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 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 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 ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is knowingly reporting False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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 instructions. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act 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. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 

DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> 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 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I got this message from Amerisave, which convinced me to use them for our mortage. we had received pricing for a rate of 2.5 % with points cost of ~ {$5000.00}. 

" Technically, we do not lock your loan until a few weeks into the process. We lock it once we get all your documents back, and once we have gotten certain things from the title company. 
However, your pricing will not be any worse than when we initially move forward. When we lock, if the market is worse than what we initially moved forward with, we will give you a pricing concession to honor our original deal. If the market is better, that will be applied to your loan and you will get better pricing. 
So your pricing can only get better from the day we move forward, it can not get any worse. '' After 3 months of delaying our closing, we were told that to lock the rate of 2.5 %, we would need to pay {$33000.00}. Amerisave blatantly lied about giving us a pricing concession to honor our original deal.
Product: Debt collection

I am filing this complaint because I as a consumer went on the FTC and CFPB website and use the sample letter to dispute a account with VW Credit , INC, the Original Account # XXXX : VW CREDIT , INC Account # XXXX. I am filing a non-compliance complaint violations against the FCRA and FDCPA that I have a right as consumer to dispute anything on my credit and not get a response back that it is FRIVOLOUS., FRIVOLOUS like I can not do research and investigating to find out. Why the credit bureaus are violating my consumer rights by letting this company report inaccuracies and errors with wrong amounts of what they say I owe and different dates of when I open this account, last activity, and last payment. So, here are the violations as follower. No VW CREDIT THIS IS ME : XXXX XXXX XXXX asking showing you all the violations and misrepresentation you are reporting : I know from studying different agencies website that the creditors and collections companies pay the bureaus to report these items. I wrote to VW CREDIT INC letter of validation about this account but they laugh said FRIVOLOUS WOW. I wrote on XX/XX/XXXX and they received it on XX/XX/XXXX. I have the letter attached that I sent to them. That was the 2nd one they respond to both as FRIVOLOUS. So, since you guys think everyone can pay a credit repair company will I can not. So, here are the violations as followed : 1 ) FDCPA Sec. 807 ( 11 ) they never disclosed that it was a attempt to collect a debt. That is fine.

2 ) Reporting credit inaccurately to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX vs XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. This defamation and causing financial injury. 
3 ) They fail to report to the credit bureaus this account is being disputed. Protection under the FCRA Section 623 that {$1000.00} and higher. 
4 ) Reporting " Re-Age '' by reporting the date of the last activity instead of the date of first delinquency this Fine starting at {$1000.00}. 
This month the FTC, State and Federal law Enforcement Partners Announce Nationwide Crackdown on abusive Debt Collection. 
I maintain a careful record of my communications with you, should you continue in your non-compliance by not deleting this account item from my account. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Please delete this item immediately my finally good gesture. It is cause me harm financially.
Product: Debt collection

My Identity was stolen. A XXXX XXXX Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted XXXX XXXX several times. I have sent a certified letter with information they requested. I have followed up with company by phone. XXXX XXXX will not give me any information about charges or how the account was opened. The information XXXX XXXX says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud XXXX XXXX of XXXX information is with the XXXX XXXX XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until XXXX XXXX. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with Firstsource advantage LLC. I let First source know these were fraudulent charges and sent over to them the information needed to prove fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

XXXX ) XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) AXXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX # 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions
Product: Checking or savings account

My account with XXXX ( both savings and checking have been suddenly restricted on XX/XX/XXXX. I called the bank multiple times on XX/XX/XXXX to ask what is causing the restriction and how long the investigation will take, but no one was helpful in giving me detailed reasons and clear timeline. They just asked me to wait and they don't know how long their internal team will take to investigate. They asked me if I recognize any fraudulent transactions within my account, I confirmed that all the transactions are recognized by me. all my transactions are legit as well, it was between my own ( internal and external ) accounts with me as the owner ( treasury direct, XXXXXXXX XXXX XXXXXXXX and etc. ). 

As of XX/XX/XXXX, my account is still under restriction. I called again, and they are telling me the same thing that they don't know why and their internal team is still pending reviewing and asked me to wait ( but they don't know exactly how long the review will take. 

I have near {$20000.00} in the XXXX saving account, now that they restricted my account resulting me not able to access the fund. I need the money to pay for bills/mortgage. This is very frustrating situation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

FCRA 605B might mean we got ta erase wrong accounts from my credit report. Can you check the papers? Some listed accounts have wrong dates and amounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing to request the validation of a debt that has been reported on my credit report by your company, XXXX XXXX XXXX XXXX XXXX According to my credit report, this debt is associated with Account # XXXX and is categorized as a secured installment loan. 

I am seeking validation of this debt as I have no knowledge of it, and I dispute its accuracy. Please provide the following information to validate the debt : 1. Documentation demonstrating that XXXX XXXX, XXXX has the legal authority to collect this debt. 
2. The original loan agreement, including the terms and conditions.

3. A complete payment history, including all transactions and charges associated with the debt.

4. The date of the last payment made on this account.

5. Any additional information that can verify the legitimacy and accuracy of this debt.

I am requesting this validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Until this debt is properly validated, I dispute its validity, and I request that all collection activities cease.

I kindly request that you provide the requested documentation within 30 days of receiving this letter. Failure to provide this information within the specified time frame may result in further action to protect my rights under federal law.

Please send all correspondence regarding this matter to the address listed above. I prefer to communicate in writing to maintain a clear record of our interactions.

Thank you for your prompt attention to this request. I look forward to receiving the requested information and resolving this matter as soon as possible.

Sincerely,
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency multiple times on XX/XX/year> and XX/XX/year> about some items I disputed. Your agency is in violation due to these items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( XXXX XXXX XXXX ( b ) ). Proof has been provided multiple times and will continue to be provided. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commision ( FTC ) Identity Theft Report as well as I filed a complaint with the State Attorney General ( SAG ), XXXX XXXX XXXX XXXX XXXX XXXX, and with the Consumer Financial Protection Bureau ( CFPB ). I informed the creditor and your agency of the fact that I explained the violations both agencies committed under the FCRA. This results in identity theft, which constitutes a violation of the civil liability provision of the FCRA, as I previously stated in the notice that I have reattached for your reference! I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result. Therefore, I am compelled to escalate this matter and request a FAIR and EQUITABLE resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is my eighth CFPB Complaint requesting to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that sme Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I am submitting this complaint to notify the Credit reporting Agencies that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. Again, I am in need for the following items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$2700.00} 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