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

I am being denied for credit due to my credit scores appearing nearly XXXX points less on XXXX in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. Equifax is XXXX while XXXX is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. XXXX of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via XXXX is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX . Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX
Product: Credit card

American Express cancelled XXXX credit cards. They supposedly cancelled each card due to a charge going to XXXX. They said " using an AMEX card for cash is against policy ''. That charge was not going to or for cash. It was going to my companies XXXX to pay for services for my company. Not everyone accepts American Express. If THAT action is against terms, they could have temporarily suspended or just slapped my wrist and told me, not to do that. They do not think about how this could implicate my business and personal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputes XXXX XXXX account credit account which is over seven years on my credit reports and credit bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Barclays keep reporting inaccurate information on my account and they need to stop reporting this inaccurate information to credit bureaus.
Product: Credit reporting or other personal consumer reports

I initiated a dispute with experian, which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that experian continues to confirm that I XXXX XXXX XXXX and my father XXXX XXXX XXXX, are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following : Name : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you for a resolution to an issue with XXXX XXXX XXXX XXXX reporting my account information to XXXX and Equifax credit reporting agencies. XXXX XXXX XXXX XXXX has failed to provide a contractual agreement between them and me. They only supplied me with a document signed at the dealership with a dealership employees signature not a XXXX XXXX employee signature. I sent a Conditional Letter of Acceptance requesting them to remove the account from my consumer report. They refused and also did not provide me any supporting documentation to validate we have a contractual agreement. I am demanding immediate removal of this account from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I have been denied several times for an opportunity to assist my XXXX. I was denied by several banks and companies for another chance to establish my credit. Can you refer my to an opportunity to reestablish my credit through counseling classes programs etc.
Product: Vehicle loan or lease

on XX/XX/XXXX my wife and i totaled our car my insurance adjuster tried for 2 weeks to get a response so he could send a payment out. in the mean time he mailed a check made out to us and wells fargo to try and get a response in the meantime i was called every day asking for payment. they received a check on XX/XX/XXXX for XXXX dollars, i know that because i was told that, my insurance adjuster XXXX ( XXXX ) for XXXX XXXX XXXX notified me that the check had cleared their bank on XX/XX/XXXX. and he mailed them out the balance after i talked to the office of the president. he finally got to talk to someone who promised to send him a letter of gaurantee for the title but they sent him the wrong information, they finally fixed that and sent the right information, when he contacted them on the XXXX XXXX from the presidents office said they never received the check and that he was wrong. now i just talked to them and was told they did receive that check but not sure the date and it would take several weeks to credit my account, in the meantime they should have received the second check, but nobody knows, i have gap insurance but cant start it without a copy of the last check.in the mean time they are charging XXXX dollars a day interest to my account and destroying my credit,
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by XXXX XXXX XXXX XXXX XXXX. I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. XXXX XXXX XXXX XXXX XXXX has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated. 

In accordance with the following laws, XXXX XXXX XXXX XXXX XXXX has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and XXXX XXXX XXXX XXXX XXXX that demonstrates your authority to collect on this debt. 
Licensing and Bonding Documentation Proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

Good day, I will try to make this simple... 
Paid Bill on XXXX XXXX XXXX Milestone Master Card / Genisis FS My bill : XXXX Amount requested by company : XXXX Amount Paid : XXXX New expected balance : XXXX Fees : XXXX credit protection XXXX Monthly card fee XXXX Interest totaling : XXXX But current balance is now XXXX ... which means that only XXXX of the XXXX went to the bill. According to the rep at the cc company they add the fees after. I am very confused and angry. I have no problem paying fees but this feels like double dipping if I see my bill total as XXXX and I pay the XXXX my bill should reflect the payment properly but they are adding fees after the fact. I know I am old but I have worked in finance and this is certainly skirting the line if not crossed the line of fraud. 
... at this rate it will take me more than a year to pay off this cc and more than 50 % of my payment is not even going to the total.
Product: Checking or savings account

couple months ago i deposited a couple checks from the US treasury made out to my business and I. but since i was in the process of close the business, so i deiced to deposited to my personal account with Santander. initially everything seems fine, until one day Santander decided to freeze my personal account stating that checked i deposited was for the business, not just for me. i have attempted to explain to them i am the sole owner of the business, but they requested for me to open a business account with them, otherwise they can not unfreeze the account. long story short, they were not able to help me open a business account with them, and still freeze the account. since i have already spend some of the funds they can not even return the funds to the us treasury. what should i do in this situation? they refuse to give me a solution and refuse to give me my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$770.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX Account # XXXX Date of birth : XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CONTRACT CALLERS INC XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Disputing error [ s ] on credit report Dear Contract Callers, I am writing to dispute items and request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. 
I am disputing this debt. The report shows I currently owe money for this account. This XXXX XXXX XXXX account was paid and closed in XXXX. Please do not call, text or email me about this matter. 

Dispute 1 : Collection agency has not provided me with validation information under 12 CFR1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 
Dispute 2 : I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). 
Dispute 3 : Collection agency is violating my consumer rights by using false, misleading, misrepresentation and deceptive means. 
Dispute 4 : Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12CFR1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Dispute 5 : Collection agency is listed as original creditor. XXXX XXXX XXXX was originally original creditor. 

I am requesting the following : 1. I am requesting you provide me with validation of this debt.

2. I am requesting the agreement between Contract callers and the original creditor.

3. Please provide proof that you are licensed and bonded.

4. Removal of this collection from my consumer report immediately. If this collection is not removed immediately, I will pursue all legal remedies available to me. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I filed a dispute for bankruptcy reporting inaccurately on my consumer file. You sent me a response back that it was verified and you got your information from Pacer. I went to Pacer to compare the information you are reporting on my consumer file to make sure it was accurate as you stated. However, the information is still not accurate. The name of the court & the county is inaccurate. 

Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. 

Now I wonder if you actually did an investigation or not. Did you even look into the information or did you quickly label it as accurate/verified?
Product: Mortgage

A qualified written request was submitted to the lender on   XXXX     with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home ).
Product: Debt collection

This debt doesnt belong too me this is the result if identity theft and i demand that it be removed immediately
Product: Checking or savings account

I wasn't even using the account. The account was over drawn all the time. I would let money sit in the account and I didn't even have bank card but it was always over drawn.
Product: Debt collection

XXXXXXXX XXXX  went onto bankruptcy and all of my loans for XXXX XXXX XXXX fraudulent practices. XXXX and Equifax will not dissolve the accounts still trying to collect on the loans. Causing poor credit and trying to repay loans.
Product: Credit card

XXXX bought this debt from synchrony bank / Sams club. I have paid the account with them.
Product: Debt collection

There saying I received a payday loan that I have know knowledge of I contract the bank and they do not see the fund deposit in the account are on my past statement from the closed account.
Product: Debt collection

This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA
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 accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$59000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, trans union reports eight late payments while XXXX reports 13 all from XXXX XXXXXXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
Product: Debt collection

On my XXXX and XXXX Credit report a Company name I C System shows up THEY ARE REPORTING A PAST DUE BALANCE OF {$420.00} I DON'T KNOW THIS COMPANY - I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY THIS COMPANY DOES NOT HAVE A WRITTEN AGREEMENT OR A SIGNED CONTRACT FROM ME!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof bearing my signature or electronic signature to support these claims. This letter is being sent by me personally, not through a third party, so I ask that you review it carefully. 

I did not authorize these actions, and they violate my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], which addresses the blocking of information resulting from identity theft or fraud, as well as FCRA Section 604 [ 15 U.S.C. 1681b ], which governs the permissible purposes of consumer reports. 

I have already contacted the companies involved and determined that these actions were taken without proper validation or original proof. These accounts and inquiries are inaccurate, as I did not authorize them. They are the result of a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BANK XXXX CRED Card No - XXXX XXXX. Past Due- {$490.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act Bank XXXX XXXX Credit Card account XXXX violated my rights. 
15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX