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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards opened with XXXX XXXX  on XX/XX/XXXX, a credit card opened with XXXX XXXX on XX/XX/XXXX, and a personal loan with XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of aggravated identity theft.
Product: Credit card or prepaid card

XX/XX/XXXX I was notified of an unauthorized charge of XXXX by the collection department at PNC. I was unaware of such a charge. The charges were from XXXX but the notices went to the clinic where my colleague there did not notify me of these charges. It was the other colleague who made the charges that were unauthorized. The credit bureaus were notified, police report filed, account closed, contacted PNC bank and I we had a binding agreement signed by XXXX XXXX ( colleague ) that he would be responsible for all liabilities/debt incurred by the practice which includes the card that he charged. BUT after all of this PNC credit department is still contacting me to repay the unauthorized charges.
Product: Debt collection

Told them there was a hardship at my work facility but never tried to work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report. XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 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

I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received investigation results.
Product: Debt collection

When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

I just submitted a FBI report. I have my document number for that too and I need to provide it but recently my credit has been going up and down and Ive been getting these weird emails like I got approved for credit cards from XXXX XXXX and I like a lot of big banks
Product: Credit reporting or other personal consumer reports

I have opened disputes with Equifax, XXXX and XXXX. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.
Product: Debt collection

In XXXX, I noticed Harvard Collection Agency had added a collection to my credit report ( all three ) without notifying me. I requested proof that this was my debt and disputed it with all three bureaus. Harvard collection agency informed me this was a debt from the State of Ilinois for welfare they wanted me to pay back from XXXX. I was not notified of this attempt in XXXX and nothing has been on my credit report until XXXX. After I disputed this debt, Harvard Collection agency removed the collection from all 3 bureaus and then added it back on in XX/XX/XXXX. I was not notified again about this debt and only noticed it when I received a credit score update that showed my credit score dropped for all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

KikOff Lending LLC is a scam, when i signed up, the customer service rep provided inaccurate and false information about the type of account this was. I immediately called with complaints about the false information that was given. Now this is showing on my credit report based upon the incorrect, unknowledgeable information the rep provided that is affecting my life at the cost of me. This is unfair.
Product: Mortgage

I was in the XXXX in the month of XXXX XXXX first time since XXXX while in the XXXX XXXX, my mortgage was scheduled to come out of my bank account electronically, XXXX store did an EFT from a check i wrote AND deposited the check, and XXXX send my mortgage payment back to CHase FOR NSF. As soon as I found out I called Chase in the SAME month XXXX XXXX and explained I had documentation from XXXX and XXXX XXXX XXXX. The rep from Chase told me to just make XXXX payments in XXXX! I called on XXXX XXXX to make XXXX payments and CHase withdrew the funds AGAIN on the XXXX without any explanation, then reported my mortgage over 30 days late for XXXX! I monitor my XXXX score and it dropped it over XXXX points when I had NEVER been late on a payment of any kind in my life! I was going to sell my home in XXXX and closed on XXXX prior to selling I was told by Chase also that XXXX had to rent for at least a year before ANY lender would back me because of the 30 day late/CHase and faulty info given to me. CHeck my credit I have never been late on ANY payments EVER, had been a suscriber to XXXX for years, and had worked hard to maintain my above average credit. ( XXXX prior to my home purchase for my ill parents ) Thanks to CHase bank, I was naive, believed them and ended up renting from a SLUMLORD! I WANT MY GOOD CREDIT BACK! I have always been single and always financially independent and just XXXX person with ill advise from Chase literally ruined my life, at least the remainder of it. In addition, XXXX XXXX XXXX covered the additional mortgage payment Chase took out the next month in error, with my credit card..then proceeded to do a review of my credit, dropped my credit limit by {$5000.00} and which then reduced my score even more, ( made it look like i was OVER my credit limit! Trying to feel blessed ... and know I am .Happy holidays, moving AGAIN!
Product: Debt collection

This is the 3rd complaint I have filed against this company. I called last month and the employee I spoke to THREATENED ME and my credit report. She told me that ProCollect would ruin my credit if I did not pay the full {$1200.00} dollars, when all I was calling for was guidance and help. Which is against the law, by the way, and I am in the process of speaking with my attorney over this issue and the laws this company and employees are breaking regarding threats against myself and my credit report. ( Im pretty sure the phone call was recorded as well. ) I can pay a settlement of {$500.00} to finally get this issue resolved and taken off my credit report and avoid taking legal action.
Product: Credit reporting or other personal consumer reports

After being contacted numerous times by the creditor seeking an alleged debt which is against the law and violates my right of privacy, I've then reached out to them asking them to verify the debt with the proper documentation. The documentation that I asked for included signed signatures and agreement between me and the creditors in which failed to provide me. I have no knowledge of the creditors seeking this debt in which they unlawfully reported to the credit reporting agencies. Experian is reporting this account to my consumer report but the accounts and information listed in my dispute letter does not belong to me nor have the permission to be reporting. I am aware that in order for any account or information listed on a consumer report must. be verifiable and accurate ion which these accounts aren't. By Experian reporting this inaccurate information, my credit score is being negatively impacted which impairs with my ability to obtain housing or funding or have any potential relationships with banks or lenders. I am asking that Experian investigate my dispute letter and remove any information that's not verified or accurate. I understand that consumer reporting agencies. must do what's fair and equitable for the consumer in which them reporting information that has no legal right to report isn't fair nor equitable for me. Never id Experian have the right to furnish a consumer report on my half which is a violation. Attached to this complaint is a copy of my dispute letter with the accounts and Information that I'd like removed from my consumer report. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Action and Notification of Intent to Sue Major Credit Bureaus Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus Involved : XXXX, XXXX, TransUnion Complaint Details : Dear Consumer Financial Protection Bureau, I am writing to demand immediate action regarding my unresolved complaints against XXXX, XXXX, and TransUnion. Despite multiple complaints and direct contacts, I have not received satisfactory resolutions. These issues include : Failure to Correct Inaccurate Information : Multiple disputes submitted with documentation, but necessary corrections not made. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Lack of Response Within Required Timeframe : Credit bureaus have not responded within 30 days as required by the FCRA ( 15 U.S. Code 1681i ). 
Re-Reporting of Incorrect Information : Items previously removed were re-reported without justification ( 15 U.S. Code 1681i ).

Failure to Provide Requested Documentation : Requested documentation to support the accuracy of items was not provided ( 15 U.S. Code 1681g ). 
Reporting Non-Public Transaction Information : Credit bureaus reported my non-public transaction information, violating the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6809 ) .

I have sent a final notice of intent to sue to the credit bureaus due to their continued non-compliance. I request the CFPB to enforce federal laws and ensure these issues are resolved immediately.

Request for Compensation : I am seeking compensation for actual damages, statutory damages, punitive damages, and reimbursement for legal fees as allowed under the FCRA ( 15 U.S. Code 1681n and 15 U.S. Code 1681o ).

Relevant CFPB Authority : The Dodd-Frank Wall Street Reform and Consumer Protection Act grants the CFPB authority to enforce federal consumer financial laws, including the FCRA ( 12 U.S. Code 5511 ).

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( UCC ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You are a third party as defined by law and have no legal right to collect on this contract. According to legal definition provided by XXXX from the XXXX XXXX XXXX A third party is a person who is a stranger to a transaction, contract, or proceeding If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!! How did you get my nonpublic personal information? What proof or evidence do you have to substantiate your claim? You are committing fraud and extortion as defined by federal law. It is illegal to try and force me to pay an alleged debt without providing me proof that I owe you. Please provide the original contract of indebtedness ( with my wet signature ) if indeed your claim is true. In addition, I would like for your company to show legal documents proving you have the legal right to collect on this alleged debt in my state and city. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

I TOOK THE LOAN FROM THE CREDIT UNION IN XXXX  OVER 9YRS AGO AND THEY AUTOMATIC ADD REPAYMENT INSURANCE ON IT SO WHEN I STARTED PAYING THE LOAN I FELL SICK AND CAN NOT GOING TO WORK SO MY INCOME STOPS AND I CONTACT THEM ABOUT THE SITUATION AND I WANT THE INSURANCE TO CONTINUE THE PAYMENT AND THE COMPANY SAID THE INSURANCE CAN NOT PAY AND I TOLD THEM THE PURPOSE OF THIS INSURANCE IS WHEN THINGS LIKE THESE HAPPENING THEN IT TOOK OVER AND THEY SAID NO SO I CALLED THE INSURANCE COMPANY ABOUT IT AND THEY MADE THREE WAYS CALL BETWEEN ME AND CREDIT UNION AND THE INSURANCE COMPANY SAID I AM RIGHT SO THE CREDIT UNION SHOULD LEAVE ME ALONE AND CONTINUE WHERE I STOP AND WE ALL AGREE SO 3DAYS LATER THE CREDIT UNION CALL ME AND SAID THEY ARE GOING TO REFUND ALL THE PAYMENT I MADE FOR THE INSURANCE COVERAGE AND REPORT ME TO THE CREDIT BERAU WHICH THEY DID AND I TRY TO DISPUTE IT AND IT ALWAYS COME BACK AND IS STILL SITTING ON MY PROFILE FOR ALL THE CREDIT REPORT AGENCY LIKE EXPERIAN XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account account was charged off XX/XX/year>. Since then the account has REPEATEDLY been updated as charged off every single month. 
Every Charged off made each month is a new update on my Credit report. A charged off account should NOT include an ACTIVE payment history.

This is inaccurate information falsely manipulates the statue of limitations. You have failed to investigate this account properly and your negate has VIOLATED MY RIGHTS. 

I am demanding a deletion of the following account : Account # : XXXX XXXX  # XXXX
Product: Credit card

On XXXX, My Citibank Macys Credit Card was charged {$230.00} by XXXX XXXX. Upon seeing this charge appear, I filed a dispute. After crediting my account for the disputed funds, the dispute was overturned on XXXX, with the CC provider claiming that this was a merchant that charges my account regularly. When I attempted to access my statements, there were no statements available for viewing. I did not authorize any such payment and I do not want to pay for a transaction I did not authorize.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} ( previously late open ) XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} ( previously late open ) Collection : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$41.00}
Product: Mortgage

my husband passed XX/XX/2018 and I am trying to acquire mortgage assistance for my home. Select Port Folio my mortgage company is hard to work with and because of my husband death I need to make the mortgage affordable for me to pay the note based on my income. I don't want to lose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax deleted several negative items on my credit report. On XX/XX/XXXX 2 months later they reinserted these same negative items back on to my report. 

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax is supposed to notify me within 5 days of reinsertion and they have failed to do so. 

I have attached the law stating they are required to do this. I have not received anything stating that they were going to reinsert this on to my credit report. I demand Equifax remove these items or legal action will be taken against them for reinserting negative items on my report without the 5-day notice. I have attached copies of the reports showing the removal date and the date they were reinserted. I have also attached a copy of what the fair credit reporting act states about reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ACCOUNT NUMBER:XXXX AMOUNT BALANCE : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX  XXXX XXXX