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

Additionally, pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act, I am requesting that you cease all further communication with me regarding this disputed debt. This section of the FDCPA states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated or to notify the consumer that the debt collector or creditor may invoke specified remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/year> XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX A XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX  XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.
Product: Credit reporting or other personal consumer reports

Experiean and XXXX not investigating my disputes properly
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Was an authorized user on a Bank of America credit card. I have since been removed.
Product: Credit reporting or other personal consumer reports

A few years back I got a loan to pay for my XXXX  XXXX XXXX tuition, everything was fine and I had no problems. I recently applied to get a loan for XXXX XXXX XXXX  XXXX  tuition and it was denied due to collection accounts. The bureau that the lender used was XXXX. I immediately pulled my credit reports and sure enough there were two accounts in collections being reported. After careful review, I realized that the accounts did not belong to me and they were opened during the time that my personal information had been exposed. I had never obtained any goods or services from the companies. I contacted the credit bureaus and was advised that I needed to file identity theft disputes for these accounts, which I did. I filed a dispute, filed a police report and FTC report and submitted all the documents requested of me including a request to block the information/accounts in question. None of the information was blocked and 20+ days after my dispute, XXXX sent me paperwork that they had forwarded the information to the collection agencies for the collection agency to investigate. Thirty days after my dispute, XXXX sent me paperwork that the accounts had been verified as accurate. How can accounts that were open fraudulently, using me information be verified as accurate? 
Needless to say, my daughter was not able to attend XXXX  last semester due to the fact that I could not get the loan to pay for her tuition because XXXX is reporting inaccurate information on my credit report. 
I am in the midst of filing another dispute with the credit bureaus and collectors. I could just pay the debts so that my loan gets approved ; however, for me its the principal. Why would I pay for products/services that I did not request nor receive? 
Through all the polices, procedures, and legislation that Ive read about from the FTC, CFPB, and the actual credit bureaus, no matter what, it seems that the credit reporting agency can report anything submitted to them by a creditor and us consumers have no recourse. 
I have witness, notarized FTC affidavits, police reports, etc. What else do I need to do to resolve this issue? 
I am submitting my disputes again and hopefully this issue can be rectified before next semester. I just dont understand why the items in question cant be blocked until the reinvestigation is complete.
Product: Debt collection

I'm unaware of this debt. I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature on it.
Product: Credit reporting or other personal consumer reports

This is the 2nd collection agency that has acquired this fraudulent debt. I was incarcerated at the time this account was opened Ive submitted documents verifying this. This account was removed from my credit report only for it to return today. Please make sure Credence Resource Management receives all documents that are uploaded. I found out this account is with XXXX XXXX account no. XXXX. Please verify all information so this county can be promptly removed from my credit report
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXX XXXX with the following credit bureaus XXXX, XXXX, and Equifax. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent XXXX a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.
Product: Debt collection

I received a call at XXXX from Harris and Harris, regarding a debt for unpaid tolls. The amount of unpaid tolls is less than {$100.00}, yet they are pursuing me for {$2000.00}, which is ridiculous. The tolls are from around six months ago. 
During this call, the agent told me that it was a municipal debt and it was a crime and that I could go to jail. It is my understanding that they can not suggest that I could go to jail, nor can they misrepresent the debt. 
In addition, I am currently legally XXXX and get only {$730.00} a month, which goes all to rent. I eat at the food pantry. It is also my understanding that they can not pursue you if you make under a certain amount. An amount of which I am sure I make less than. 
Can you please assist me in this matter, because I do not wish to get any more threatening calls from them? 

Thank you very much for your time.
Product: Checking or savings account

On XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from XXXX by XXXX XXXX to Citi bank. I'm the secondary joint owner of XXXX saving account and the sole owner of Citi checking account. Citi suspects it's a fraud so that they closed the Citi account forcefully. In order to get the money back, Citi requires XXXX to send an Indemnification Agreement ( Hold Harmless Agreement https : XXXX ). However, XXXX said they don't have this process and can't do it. 

Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with Citi and XXXX and find a way out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Subject : Request for Block and Deletion of Information Due to Data Breach ( Pursuant to 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request that XXXX block and delete all accounts and information associated with my name and Social Security number that have resulted from a data breach, as provided under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ). 

I have been a victim of a data breach, and I believe my personal information has been compromised. To protect myself from potential identity theft and fraud, I am requesting that XXXX block and remove any accounts, inquiries, or information related to the breach from my credit report. 

Account Name : XXXX  Account Number : XXXX I understand that XXXX is required to block and delete the information within four business days of receiving this request, as outlined under 15 U.S.C. 1681c-2 ( a ). Please confirm in writing once the requested block and deletion have been completed. 

If you require any additional information to process this request, please contact me at XXXX ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested actions have been taken. 


Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Vehicle loan or lease

I called in XX/XX/XXXX or XXXX 2022, to get assistance with my XXXX payment explaining this was my first day back to work since my daughter having XXXX for 3 weeks and myself getting it within the last 7 days and being in and out of the XXXX  with my daughter. I asked if there was any help since my work does not cover XXXX unless my child and myself had the booster shot. And my first paycheck wouldn't be until the XXXX. I was declined and told I just need to make the payment by the XXXX or it would go over 30 on my credit.i explained I could make 2 payments with my paycheck on the XXXX but was told they had no assistance available because I hadn't made 12 consecutive payments and that they couldn't extend my payment to be due on the XXXX. 

I am very disappointed because I had no way to make the payment since my daughter was in and out of the XXXX  with XXXX and I was able to make both payments on the XXXX. 

Now my credit has been affected which now caused my credit card to close my account. 

They offered no help for the circumstance and stated I could borrow the money and pay it back when I got paid on the XXXX. 

As soon as my paycheck came in which ended up being on the XXXX I made both payments like advised I would be able to do. 

I would like the delinquency for XXXX reported in XXXX removed. They should have been able to provide some kind of assistance or at least moved my payment to the XXXX so I could make the payment without it hurting my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from Citibank, informing me that their records reflected that i was previously enrolled in XXXX ', which is an optional debt protection program offered by Citibank in which I was charged a monthly fee. I further researched the matter because I closed my Citibank Credit Card approximately two years ago, so to my surprise I didnt understand why I was receiving a letter from Citibank. After researching it I found that Citibank settle their lawsuit in XX/XX/XXXX but here XX/XX/XXXX I am just being contacted in reference to being enrolled in programs without my  consent or not being properly informed by the representative of the charges, the only thing I was informed of at the time automatic payments was set up was that ; my payments would be {$67.00} a month. I have never been informed by a Citibank Representative about any program costs or benefits that would occur on my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit report and bankruptcy information was on there. The case never happened so I contacted the credit bureaus and asked that the information be removed but they said that they could not do it but the courts reported this to them. I contacted the courts and they said they don't report to credit bureaus but that the credit bureaus use some sort of search that flags them whenever there is some court activity and the credit bureaus pay to use this site so they have no control over what they report or getting removed. I want the information removed from my credit reports since the bankruptcy never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Equifax, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, Equifax, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA XXXX XXXX XXXX XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX Not my account XXXX XXXX XXXX Not my account ACCORDING TO 15 U.S. CODE 1681B ( 2 ), NO ACCOUNT CAN BE REPORTED TO YOUR CONSUMER CREDIT FILES WITHOUT YOUR EXPRESSED, WRITTEN CONSENT 15 U.S. CODE 1681I ( A ) ( 1.A ) THAT ONCE YOUR PROCESS OF DISPUTE BEGINS, REGARDLESS OF THE STATUS OF THE ACCOUNT, THE ACCOUNT UNDER INVESTIGATION MUST BE REMOVED UNTIL THERE IS A FULL AND COMPLETE INVESTIGATION. 
I WANT THESE ACCOUNTS REMOVED ONCE THE PROCESS BEGINS UNTIL INVESTIGATION IS COMPLETED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a packet from UPSTART Network for an account that is listed as a Charge Off and is reporting on my Consumer Report. The IRS deems a Chargeoff account as income and you report it on Form 1099-C to the IRS. So this means this company is fraudulently reporting income to the credit reporting agencies which is a violation of the law. I have disputed this with the company and they have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against credit bureau XXXX & Transunion. 

I sent 4 letters for them to verify accounts that were reporting to my credit report. I asked for them to mail me a copy of the paperwork with my signature to validate the account was mine. They received all four my letters, and responded back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That they " updated '' & verified the accounts are mine without showing me any proof. On XX/XX/XXXX they sent a letter stating " Unless you send us additional relevant information to support your claim, we will not reinvestigate this information again. '' How can I so support to my claim on accounts that aren't mine? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract. They never sent physical verification.

Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

My next step is to take them to small claims count and sue. Send letters and paying for shipping cost me money, and time!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  should not be reporting to XXXX ; Experian and XXXX a collection/chargeoff in the amount of {$450.00} on the XXXX AUTOMATED COL partial account number XXXX. ( Please see page attached from my credit report. ) I never received any notification of this debt. Once I saw that this account was reporting negatively on my credit report I immediately contacted XXXX to discuss this. They refused to assist me in removing this false collection that was reporting on my credit report. I was never notified by telephone and/or email that there was an issue. The original creditor, XXXX XXXX never sent any notification either for any remaining balance due. I was the co-signer on a rental property for my son. His lease ended and he moved out per the rental agreement. There were no issues we were aware of. XXXX has no information regarding this and instead of working with me and explaining to me what this debt was for they sent it off to collections. This false reporting of a collection/chargeoff is seriously harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX and XXXX XXXXXXXX to remove this however, I have not been successful.