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

Subject : Urgent Request for Immediate Removal of Fraudulent Information and Compliance with FCRA 605B To Whom It May Concern, I am writing to formally address an ongoing issue regarding fraudulent activity that has impacted my credit file. I have been a victim of identity theft, and as a result, I have been actively disputing several fraudulent entries on my credit report. I have followed the necessary steps to address this issue, including filing reports with the Federal Trade Commission ( FTC ) and initiating disputes with the relevant credit bureaus. While XXXX and XXXX have successfully removed the fraudulent accounts after verifying my claims, XXXX and XXXX have failed to comply with the proper procedure and continue to report inaccurate and fraudulent information on my credit report. 



As required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the fraudulent accounts be immediately removed from my credit file. The FCRA mandates that credit reporting agencies block any information that has been identified as fraudulent within four business days of receiving formal notice. The following accounts have been confirmed as fraudulent and should be removed from my reports without delay : XXXX XXXX XXXX XXXX ( Removed XX/XX/year> ) XXXX XXXX XXXX  ( Removed XX/XX/year> ) XXXX XXXX XXXX ( Removed XX/XX/year> ) XXXX, XXXX ( Removed XX/XX/year> ) XXXX XXXX XXXX XXXX ( Removed XX/XX/year> ) XXXX XXXX XXXX  ( Removed XX/XX/year> ) XXXX XXXX XXXX - XXXX ( Removed XX/XX/year> ) I have already sent the necessary documentation, including FTC reports, to XXXX and XXXX, but despite these efforts, these bureaus have failed to act in accordance with the FCRA. 



I respectfully demand that you take immediate action to block these fraudulent items from my credit report as required by law. I would also like confirmation of their removal at the earliest possible opportunity. Should these accounts not be removed within the stipulated time frame, I will be compelled to escalate this matter further, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 



I appreciate your prompt attention to this matter and look forward to your immediate compliance. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very diligent in paying my bills on or before the due date never late I recently paid off my 2 personal loans and my credit card from XXXX and my truck at XXXX XXXX XXXX all accounts were paid as agreed never late I work hard at keeping my credit good when the 2 XXXX personal loans were paid off XXXX closed them paid as agreed and when my truck was paid off XXXX XXXX XXXX closed it paid as agreed no debt and now trans union and XXXX has destroyed my credit score trans union dropped by 75 points and XXXX by 55 points and when I asked them they said thats how it works and it wont change you have to start over its as if Im being punished for paying my bills as agreed on time never late you would think I would be rewarded with a higher credit score but NO something is wrong here the credit reporting agencys wouldnt even want to hear what my concerns were and theres not they can do about it what a shame
Product: Credit reporting or other personal consumer reports

Good Morning, i just received final resualt from XXXX XXXX, admited and bale to find the transaction on my closed account, attached copy to remove negative account abuse be reported
Product: Debt collection

I received notification about this debt on my credit report. I disputed the debt online and also provided proof that I settled this account balance with the previous collection agency that held the debt, XXXX XXXX, XXXX. and/or XXXX, XXXX XXXX  XXXX , XXXX, XXXX XXXX XXXX. This account balance was settled for {$620.00} with the agreement that it was removed from my credit report on XX/XX/2022. I have proof of the settlement offer as well as the receipt of payment. 

After disputing the debt, this collection agency responded that their account information was accurate and continue to report it on my credit with no validation. I am also sending them a certified letter of the written dispute. I held no other balances with the original creditor. Failure to comply with receiving proof of payment that this debt has been paid is a clear violation of the FCRA. I have also attached proof of the settlement agreement with the previous agency. Again, I will be sending a certified letter today outlining the dispute, proof of payment. Failure to remove from my credit report will leave me no choice but to file a lawsuit against this company for failure to comply with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

Please help there is fraud on this account. There is a balance of XXXX on a credit card Pnc points XXXX XXXX ending in XXXX. I am disputing this purchase as I never authorized it. Can someone help me and refund my money? I keep getting a bill for this each month when I never bought a thing. 
My social is XXXX date of birth is XX/XX/1960
Product: Debt collection

The is a debt collection company by the name of LOCKHART MORRIS & MONTGOMERY who parked multiple alleged debts on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is reporting 2 of the same accounts which is a violation of 15 USC 1681s-2 and 15 USC 1692d ( 1 ). The debt collector is reporting a total of 4 account outside of compliance with the FDCPA.They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is violating both the FCRA and FDCPA. This is deceptive and abusive behavior. This company is violating privacy rights and is potentially committing fraud per 18 USC 1001 for reporting unvalidated debt.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( F DCPA ), I request the following information. 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. s. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have a CITI gift debit card. It expired on XXXX. It still has funds on the card. I spoke to Citi customer service on XXXX/XXXX/16 ( spoke to XXXX and she referred it to XXXX XXXX ) and they would not issue a replacement card or a check.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX  Unauthorized Inquiries : XXXX XXXX XXXXXXXX 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 XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
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 that 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 remove these files. 
XXXXXXXX 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: Bank account or service

I added an external account to my Chase checking account. I subsequently transferred money from the Chase Checking to the newly external account. I received a text message from Chase to confirm the transfer, which i did via responding text. To my horror I discovered a week later that not only did Chase reject the transfer AND THEN CLOSED the external account WITHOUT my permission. Nor was I informed that they closed the external account. Then Chase locked my account from online access due to activity frequency. Upon inquiry I was told they dont know why this happened. And that I now have to go through the ENTIRE process again to reestablish the external account - that they closed! and they were unwilling to provide me contact information for Fraud or Operations officers to rectify the situation.
Product: Credit card or prepaid card

My bank mistakenly mailed a XXXX  check to Capital One that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to Capital One Retail Services and had an account number on it that matched a XXXX store card that I had closed. Capital One decided to apply that payment to my business account, where the checks are made out to Capital One Bank ( NOT Retail Services ) and has a completely different account number. I called Capital One as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. A manager, who would only identify himself as XXXX, first tried to tell me that it did have the account number. Then he said that he was looking at the wrong payment and that I was correct that the check was for a different account in a different department but said that since Capital One had already decided to apply the payment to an account that was in no way connect to or referenced on the check they could not reverse the payment.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 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 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 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 reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 reporting or other personal consumer reports

Yesterday I found out that I have a bill due from XXXX XXXX, I have never purchased or have had XXXX XXXX. During that time I has in college. When I found out I contacted XXXX XXXX and saw that the account was in my name and it was closed. I found out they took my account to the debt collector and I owe XXXX dollars even though I never had XXXX XXXX.
Product: Credit card

" On XXXX XXXX, I booked a hotel stay with XXXX for a total amount of {$700.00}. Upon my arrival at the hotel, I encountered a significant problem- there was absolutely no parking available as explicitly promised by XXXX. The hotel 's notice indicated that parking could be found on a nearby street for a reasonable fee of {$8.00} per day. However, in reality, it was nearly impossible to find any parking space, and this issue was not mentioned anywhere during the booking process. 

Frustrated and left with no alternative, I chose not to stay at the XXXX XXXX  and found alternative accommodation elsewhere. Immediately after my experience, I reached out to XXXX customer service, explaining the situation and politely requesting a refund due to their failure to provide the promised parking service. To my disappointment, XXXX refused my refund request. 

As a result, I decided to initiate a chargeback with Chase Bank, my credit card provider, seeking to reverse the {$700.00} charge. Initially, Chase provided me with provisional credit for the disputed amount. However, I was recently informed by Chase of a claim reversal, putting me in a challenging financial position. 

I am reaching out for assistance, advice, and support from the relevant authorities to ensure that I am not unjustly held responsible for this {$700.00} charge for a stay at a hotel I never had the opportunity to experience. ''
Product: Debt collection

From what I can tell, someone is selling my information to fake debt collecting companies. These companies then proceed to call with threats of impeding arrest, and demands for immediate payment with no written correspondence. 

They are calling my parents threatening that I need to call them else they will hand deliver warrants at the home or that I need to schedule time at my place of work and have both my manager and security personnel present for document deliveries. All these actions are harassing and breaking the law as I understand the Fair debt reporting and collection act. The latest company is calling from multiple numbers from Rhode Island.
Product: Checking or savings account

Credit karma and XXXX XXXX stole my money and they both closed my accounts and keep telling me I have to call XXXX XXXX and XXXX XXXX keep telling to contact credit karma no one would listen to me and now they both closed my accounts and still have not given me my money back
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized inquiries made on my credit report. I have noticed that there are inquiries listed on my report that I did not authorize, and I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Details of Unauthorized Inquiries : Inquiry Date ( s ) : [ List the date ( s ) of the unauthorized inquiry/inquiries ] Company/Organization : [ List the name of the company or organization that made the unauthorized inquiry/inquiries ] Credit Reporting Agency : [ Specify the credit reporting agency/ies ( XXXX, Experian, XXXX ) where the inquiries are listed ] Legal Background : Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, such as with the consumer 's written consent or for purposes directly authorized by the consumer. I did not provide my consent for these inquiries, and they do not appear to meet any of the criteria set forth in the law.

Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized inquiries are removed from my credit report. Additionally, I would like to request that any entity responsible for these unauthorized inquiries be held accountable for their actions, including any applicable penalties under the law.

Please keep me informed of the progress of your investigation and any actions taken. I am also attaching a copy of my credit report highlighting the unauthorized inquiries for your reference.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

I attempted to retrieve my 1099 Tax Forms from Coinbase however their systems refuse to allow me access to the forms. Their systems are demanding I donate the last of my crypto holdings however there seems to be no other way to access the required tax forms. 

I attempted to go through their live chat and their phone support however there seems to be no resolution available from these agents other than generic canned responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

looks like someone was trying to use my information to purchase a car. There are 15 hard inquires for XXXX. 13 with XXXX and 34 with Experian. I have filed police report and put a fraud alert with all XXXX reporting agencies. XXXX is giving me a hard time to remove. I have contacted the companies to whom the hard inquires belong to and was told since I don't have a vehicle that they can't do anything. That was specifically said by XXXX today.