23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Got a call saying I was approved for a loan with Eloan.com and they had my info so I thought it was legitimate. Then they had me go get XXXX on a XXXX XXXX card  to register. Then I had to get a XXXX XXXX XXXX card. 
Once they asked me to get XXXX on a XXXX XXXX card for loan insurance then I figured out I was being scammed. 
There numbers are XXXX and XXXX. 
I demanded my money back until I got on their nerves. I contacted the company ( Eloan ) they were pretending to be. Then I called the scammers back and the guy admitted to being a scam artist.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to inform you that I am a victim of the data breach that occurred as a result of the security incident involving your company. In accordance with 15 U.S.C. & 1681c-2 ( a ), I am requesting that all accounts related to my personal information be blocked and deleted from your records to protect me from potential harm or fraud.
Product: Debt collection

Im a victim of identity fraud. A credit card was issued by the XXXX XXXX XXXX  and used fraudulently. The account was sold to ( resurgent ) that request I pay XXXX. I never requested the account.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? This can not be true! - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

equifax refuse to remove dispute over 7 years lied about police reports all mail over 3 months ago and hangup phone win trying to dispute fraud accounts on report and data breach
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/year>, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. 

The disputed accounts are as follows : XXXX XXXX XXXX : {$13000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} Status : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX  XXXX XXXX : {$0.00} Status : Closed Account # : XXXX XXXX  XXXX XXXX : {$0.00} XXXX : OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how each of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. 

Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

Name : XXXX  XXXX XXXX Amount : {$590.00} Date opened : XX/XX/XXXX Status Date : XX/XX/XXXX On various occasions I have reached out to EXPERIAN CREDIT REPORTING AGENCY, to remove this inaccurate and fraudulent account of my credit report. Which they did and later reinserted it to my report. I contacted experian again via phone call on XX/XX/XXXX and a letter but they refused to reinvestigate. 

Also they violated my right by the FCRA by refusing to notify me in writing why the negative item was reinserted with 30days and also till date I havent gotten a letter from experian.

They took over 120points from my credit and are still reporting this fraudulent account and a supposed charged-off account since XXXX on a month to month basis on my report.. 

NB : I have written over 4 letters to Experian concerning this account and 3 phone calls.
Product: Checking or savings account

Wells Fargo keep letting unauthorized use of my account and they are slow at updates on my account which put my account on negative. They deny withdrawing from me I have to call them to get it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  ,2015-  XXXX - I  call  XXXX   XXXX   XXXX   XXXX  and they will try to removed this off my credit report because it 's pas t 7 years old. n o change on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are reporting on my credit report are inaccurate accounts that do not belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge ive asked for proof or any verification these accounts belong to me and i havent received anything yet these negative accounts still remain and effect my credit report poorly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX - It is imperative that you remove any name in your system which does not match the first and last names listed on this letter . My only name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 - I need you to delete any address in your system that varies from XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX It will ensure the database has accurate information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

MRS BPO, L.L.C., sent me information on account I have no knowledge of. I have not conducted business with this company or provided them with my information. They advised me that it's a debt from XXXXXXXX XXXX in the amount {$3200.00} which I have no knowledge and is fraud. 
MRS BPO, L.L.C., is no licensed to collect funds in the state of GA as well and acquired my location information.
Product: Debt collection

Re : Cease and Desist Letter Pursuant to 15 USC Dear XXXX XXXX I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. 

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Signature on file
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2021, I filed a dispute with the three major credit bureaus XXXX, Equifax and XXXX about the unverified accounts XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00}
Product: Money transfer, virtual currency, or money service

I went into the XXXX XXXX, Fl branch to deposit a cashier 's check on Monday XXXX. The check was quite substantial ( $ XXXX ), however I was depositing into my existing checking account. The teller indicated there would be a hold on the check for XXXX days -- - even though a casher 's check is suppose to be as good as cash and typically available the next day. The teller brought the XXXX XXXX XXXX up to see if any thing could be pushed sooner -- XXXX XXXX XXXX said she would try to get it through within a couple of days. Our account has been in the negative more than positive over the last 8 months, due to my husband being diagnosed with XXXX XXXX XXXX. I did not share this with the teller or XXXX XXXX as I am not looking for sympathy, I was hoping the check could be pushed as she had indicated. I called ( Thursday XXXX ) to speak with XXXX XXXX, her XXXX message indicated she would be out until Monday. I asked to speak with a XXXX. The XXXX XXXX got on the phone and I explained to him the situation. The check still had not cleared and we have obligations ( especially medical bills ) to deal with. He said there was nothing he could do. I then asked if perhaps he could reverse the deposit and I would take it to the bank the funds originated from which was XXXX. He said that they could not do that and I would need to issue a stop payment and then have the funds wired. I wasn't aware that you could have a stop payment on a casher 's check? He continued to say because I had a negative in my account, there was no way he would be able to do anything -- - My account could not accommodate the funds!!!! How unprofessional for him to even say that. He was rude, unprofessional and this was totally unacceptable to be treated like this. I will tell you when I had hundreds of thousands of dollars in my account -- I was certainly not treated the same way like I was from this individual. He was totally disrespectable & discriminating and then hung up on me!! Is that how he treats all his clients or just the ones that have a negative balance. I was very clear, that we had a great deal of funds coming over the next few weeks and they can be assured we will not be using Truist for our banking needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 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 Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!! 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE XXXX Acct # XXXX
Product: Money transfer, virtual currency, or money service

There is a bunch of weird transaction to XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and all these people are taking money out of my bank.I dont even travel and work at my Resturant all day XXXX I found out I told the bank and they told me to go on app and dispute but they denied my claim and I file a police report but they told me to go to the fbi and XXXX fbi told XXXX they are backed up and everyone is sending to different section and different agencies.i just want to know who the seller are so I can sue them for damages that cant be undone.chase bank never even investigated and couldnt even give me there business name that took my money.and they shut my account down and told me to give them proof when XXXX locked out my account so all of this is weird to me and I want my money back that I worked hard for
Product: Checking or savings account

On XX/XX/2019, Capital One reported a charge-off of {$1600.00} to XXXX, XXXX XXXX This WAS NOT a case of my writing checks against my account. Capital One deleted an external account that was used to transfer funds in to my Capital One account. I had a number of automatic payments to creditors set up. Since Capital One deleted the external account, I was not aware that my account had not been funded. I had no way to fund my Capital One account without that external account as I was not anywhere near a branch. In spite of a low balance, Capital One kept drafting my account to send out payments to these creditors, knowing there wasn't enough funds in the account. After repeated attempts to resolve the issue, Capital One agreed they were in the wrong but would only reimburse two of the overdrafts. Additionally, since this occurred, Capital One changed their policy and no longer charge overdraft fees yet I am being reported to XXXX for a policy they no longer enforce.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information reporting on my credit report file.
Product: Checking or savings account

US Bank has repeatedly placed temporary holds on my account that prevent online access to bill payment and transfer features. When I call to regain access I am told the hold is for my security and for only 48-hours and that my debit cards will still work. That does not help me transfer funds to make bill payments. When I ask that the issue be escalated and fixed now, I am told that it is very common and that I must wait to regain access.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX  my written instructions to furnish any information to the credit bureaus. 

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.
Product: Debt collection

I have been dealing with this for over a XXXX  on my report, and I've done everything with in my power to resolve this and explain to these companies that this debt does not belong to me although my first and last name my be common. I will provided the settlement from Ability Recovery Services as well as police reports, ftc reports etc. Showing proof that this was a result of identity fraud. This accoount from the original creditor XXXX XXXX a school I never attended so I want this removed from my consumer report from all XXXX bureaus and compensation for the time that was waisted. I don't want to keep sending dispute letters for I have done that all to end up having to get a lawyer which I can't afford. If you refer to previous disputes which I made throug this portal their will be more proof.
Product: Debt collection

I contacted the company to try to settle. I asked for them to mail me a validation and agreement and the woman on the phone refused to send it by postal service.
Product: Mortgage

I CAME ACROSS LOAN DOCUMENTS THAT I DID NOT APPLY FOR OR SIGN FOR
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX  - XXXX - {$12000.00} XXXX  XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.