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

Dear Equifax Credit Bureau Executive Office, I am writing to request the removal of the account with XXXXXXXX XXXX XXXX XXXX XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXX XXXX and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame to resolve and correct these issues. Therefore, I am requesting the immediate removal of this invalid information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX is a copy of the information that needs to be removed from my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Last reported payment information can be reviewed by clicking " FILE A DISPUTE '' to continue. 

XXXX*Payment Status** View your monthly payment status by year. Click " Historical Details '' to select a category and dispute specific information.

**Historical Details** Select a category to view and dispute specific historical payment information. 

**Lender or Creditor Contact Information*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeated requested that they correct incorrect reporting on my credit report. They refuse to fix a reporting error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts list in Exhibit C therefore request that you consider this a final notice your offices.Past this point the CFPB will have authenticate sworn testimony from my end which gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting**** Copied from the Affidavit of Facts attached******
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXXXXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

My roommate went into the different branches and they gave him my money
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and i found this auto loan with a bank in XXXX XXXX i don't live in XXXX XXXX. 

XXXX XXXX  - Account # XXXX
Product: Debt collection

Dear CFPB, I am filing a formal complaint against Harris and Harris , Ltd., a debt collection agency, and XXXX XXXX, the original creditor, regarding an alleged debt that I dispute and believe is being handled in violation of the Fair Debt Collection Practices Act ( FDCPA ) and my consumer rights.

Details of the Complaint 1. Nature of the Alleged Debt : Harris and Harris , Ltd. sent me a letter claiming that I owe {$370.00} for a debt purportedly originating with XXXX XXXX. Additionally, the letter includes a fee of {$68.00}. 
2. Account Information : Upon logging into my XXXX XXXX account, my balance is listed as {$0.00}, and I do not see any record of outstanding obligations or signed agreements authorizing the alleged debt or additional fees. 
3. Debt Validation Concerns : Harris and Harris , Ltd. claims the debt is valid but has failed to provide sufficient evidence to substantiate the debt, as required under the FDCPA, Section 809 ( b ). Specifically : They did not provide a copy of any agreement I signed with XXXX XXXX authorizing the amount claimed or the additional {$68.00} fee. 
They did not provide a clear breakdown of the total amount owed, including how the fee was calculated or whether it is permissible under state or federal law. 
They did not demonstrate their authority to collect on behalf of XXXX XXXX. 
4. Potential Violations of the FDCPA : Section 808 ( 1 ) prohibits the collection of any amount, including fees, that is not expressly authorized by the original agreement or state law. The {$68.00} fee appears to violate this provision.

Section 807 ( 2 ) ( A ) prohibits false or misleading representations regarding the amount or legal status of a debt. Harris and Harris , Ltd.s failure to provide proper validation raises concerns about the accuracy of their claim.

Section 809 ( b ) requires the collector to cease collection efforts until the debt is properly validated. Despite my request for validation, Harris and Harris , Ltd. continues to pursue collection.

5. Inadequate Disclosure from XXXX XXXX : XXXX XXXX has not provided the signed agreements or evidence supporting the validity of this debt, despite my attempts to access my account and request further information. This lack of transparency has made it difficult to verify or dispute the alleged debt.
Product: Debt collection

I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that i refuse to pay this debt. Rather, I would like dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that i am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting and invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. Im sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. If you do not any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distrubuting them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 

XXXX XXXX XXXX Account # XXXX Balance {$6700.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$2100.00} XXXX XXXX XXXX Account # XXXX Balance {$2600.00} XXXX XXXX XXXX Account # XXXX Balance {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of automobile inquires ranging from XXXX -XXXX and XXXX  mortgage inquiry in 2017 that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, Equifax, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Information I am writing to dispute the accuracy of account, reported on XXXX. XXXX, XXXX. 

I want to clarify that I did not sign any paperwork for the title of this vehicle. My wife and I acquired this vehicle through XXXX XXXX XXXX, which went out of business in XX/XX/XXXX. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$530.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession and redemption require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to send a money transfer to XXXX. Merchant kept telling me over and over that the account number was invalid. I sent them proof of the account I obtained from the person I was sending it to. I was able to send a transfer successfully using the same information using XXXX, another provider of funds transfer, with no problems. But World Remit refused to work with me to try to resolve the issue. I sent proof of the bank and account and they still refused to work with me. 

Business entity World Remit, of XXXX XXXX XXXX # XXXX, XXXX, CO, XXXX, XXXX, has telephone agents who have no means of solving any problems arising from transfers that can not be completed. I spent hours on the phone with them and yet they could not, or would not, work with me to resolve the invalid account number error I was being given. I was not able to speak with a manager either. 

Business failed to use good faith effort to resolve my concern even after I sent them proof from the bank that the account does exist. They refused to communicate with me when contacted by their provider. No resolution could be provided and no information could be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to PRA, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the TransUnion credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to TransUnion regarding inaccuracies and incompleteness requesting corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent TransUnion credit report ( Dated XX/XX/2023 ) as evidence of these FCRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Accounts Charge Off Amount, the Close Date and, unbelievably, the whole Payment History! All of these inaccuraces and incomplete reporting are FCRA violations.
Product: Debt collection

On XX/XX/XXXX a letter was mailed out regarding Collection account from LVNV FUNDING and a balance of {$880.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it
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.

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 or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to Equifax, XXXX and XXXX and they have not acknowledged my disputes. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi reduced my credit limit with no real reasoning provided. I have not made a late payment and the account has no negative history. I previously had an available credit of almost {$10000.00} reduced to {$200.00} with no real explanation provided. It calls to question what about me specifically made Citi make such a decision? Again, given my positive payment history with Citi, combined with the history of banks like Citi discriminating against people of color, I am left to conclude that such a decision was levied against me for non-financial reasons.
Product: Debt collection

I received a notice from my credit bureau, XXXX, that there was new activity on my credit report from IC Systems ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I received a copy of the report that showed IC Systems is attempting to collect a debt from XXXX for an unpaid cable television bill. I contacted IC Systems ( XXXX ) and they informed me that the XXXX  bill ( Account # XXXX ) was from an address in Florida ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) in the amount of {$1400.00}. I informed the IC System representative that I have never lived in Florida nor have I ever had an account with XXXX, and that this is a fraudulent claim. IC Systems sent me information from XXXX XXXX to file an ID Theft report. The instructions from XXXX XXXX states that XXXX of the steps is to " go to ftc.gov and fill out an incident report with the Federal Trade Commission '', which is what I am doing now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a small business owner who banks with US Bank. I have a Business checking account with them. Recently, I deposited three checks from a customer, totaling {$3700.00}. However, all three checks bounced due to insufficient funds. As a result, US Bank has decided to close my account, which I believe is unfair considering the circumstances. 

To address this issue, I contacted customer service at US Bank and sought their assistance in enforcing collection from the customer. The customer claimed that the funds were not available, but later stated that they were and advised me to process the checks anyway. A customer service representative named XXXX suggested that I redeposit the checks through the ATM for reprocessing. Unfortunately, the ATM did not accept the checks, leading to the closure of my business account. 

In an effort to find a solution, I have reached out to both the customer and their banking institution. It has become apparent that the customer does not have sufficient funds to cover the checks. As a business owner, I believe that I should be protected by my financial institution when faced with bounced checks from customers. 

Initially, US Bank assured me that my deposits were insured and that I would not be held responsible for any consequent damages. However, the current situation is clearly unfair and unjustified, and I do not understand why my account is being closed. I kindly request guidance on how to navigate towards a fair resolution. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is XXXX XXXX # XXXX
Product: Debt collection

CBE Group has called multiple times a day, many times it's different people calling and different numbers They've called me multiple times even when I explained I was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX  JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.
Product: Mortgage

My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and found several discrepancies in my accounts. These inaccuracies are negatively impacting my ability to secure credit. I understand that you will investigate these issues to ensure their accuracy. 
Please verify the following items for correctness : XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX AMEX American Express XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Re : Dispute of Credit Report Inaccuracy / Non-Compliance with Section 1681 of the Fair Credit Reporting Act Dear American Express, I am writing to formally dispute an item on my credit report and to notify you of your potential non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, regarding your responsibilities to ensure the accuracy of information in consumer credit reports. 
I have identified the following inaccuracies on my credit report : -Incorrect account status ; Account number # XXXX opened XX/XX/XXXX Under 15 U.S.C . 1681e ( b ) of the FCRA, you are required to ensure that all information in my credit report is accurate, up-to-date, and complete. It is my belief that the incorrect account status constitutes a violation of the aforementioned statute, as this information is either inaccurate, incomplete, or has not been corrected despite my prior attempts to resolve the matter. 
I request that you promptly investigate and correct the error in accordance with the provisions of the FCRA. If you fail to do so or do not resolve this matter in a timely and appropriate manner, you may be liable for civil penalties under Section 1681o, which outlines the civil liability for negligent non-compliance with the FCRA. 
Additionally, I request that you provide me with the results of your investigation and a copy of the corrected credit report reflecting the changes. Should you fail to comply with the investigation requirements within the time frame specified by the FCRA, I will not hesitate to seek legal recourse. 
Please consider this letter as a formal request for resolution under the FCRA. I expect your response within 30 days from the date of receipt of this letter. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, XXXX XXXX