23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have 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 am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

I have disputed the fact that Portfolio Recovery Associates, XXXX has NO right to collect on any debt in my name. I affirm nor deny any mentioned debt. Attached is an attempt to collect a debt claimed owed by me by a company impersonating a law firm. Under FCRA 15 U.S Code 1692e ( 3 ), the use or impersonation of a government or law firm entity is violation of my rights and subject to litigation. I am demanding that this entry be deleted if need be from my report and Portfolio Recovery Associates compensates me no less than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-aging account is a very serious violation in reporting by Equifax. I have provided proof documentation directly from the credit report circled and highlighted for the CFPB review. I have listed the multiple violations of the FCRA below for the CFPB review.

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1 ) Violation of the FCRA illegal Re-aging account. ( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. ( 3 ) Violation of the FCRA inconsistent reporting by Equifax with this account.
Product: Credit reporting or other personal consumer reports

The account is closed but keeps reporting as a closed account
Product: Credit card

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT CREDIT CARDS UNDER MY NAME. THESE ARE FRAUDULENT ACCOUNTS. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.
Product: Credit card or prepaid card

My credit card was in good standing for 24 years. I never had a late or missing payment. The yearly {$75.00} fee for the card came due but my checking account was not linked to the card for reasons I do not understand - I had linked it before and had a small deposit in my account to verify the account. I never received notice that my yearly fee was past due until XX/XX/XXXX - 5 days after the account was closed by Bank of America ( the payment reminder was dated XX/XX/XXXX ). I never received emails stating a payment was missed either. As a result my longest credit card was cancelled and my credit score was reduced by XXXX points from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian XXXX my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; Experian XXXX XXXX XXXX reports from " XXXX XXXX XXXX XXXX Original creditor : XXXX, ACCT # XXXX '', which XXXX / XXXX has hired a second, third party collection company after this account was removed from the other third party collection company " XXXX  ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " XXXX  '', " XXXX XXXX XXXX '' or " XXXX ''. This is my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA ( Fair Credit Reporting Act ) regarding your refusal to delete the FRAUDULENT account information from my consumer file. Your failure to REMOVE this account has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had mailed a letter to Transunion back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Transunion to check on the status to make sure they received letter about XXXX weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau Experian , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any..Also, the student loan XXXX XXXX   XXXX XXXX should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is very exhausting, CFPB please step up and remove the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX. XXXX XXXX : account number XXXX {$6300.00} balance.This account should not be reporting on my credit report. XXXX. XXXX XXXX XXXX balance {$5300.00}. XXXX XXXX XXXX XXXX balance {$3100.00}. XXXX XXXX XXXX : account number XXXX balance {$670.00}. XXXX XXXX XXXX : account number XXXX balance {$1300.00}. XXXX XXXX XXXX XXXX XXXX account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX XXXX signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

Aggravated identity theft is a crime under 18 USC 1028 ( a ) Using my information without my consent. 15 USC 6802 financial institution may not disclose non-public personal information to a non-affiliate third-party unless they give the consumer the opportunity to exercise their rights to opt out and a privacy notice.Ive sent a cease and desist letter to sunrise credit service Inc. demanding they close this account in all three credit reporting agencies. sunrise credit service Inc. has not validated or verified this account. I am not sure if they intended to, but they are still reporting on all three credit reporting agencies. in violation of Gramm-Leach-Bliley Act. privacy rule, safeguard rule, pretexting provision. Prohibiting deceptive methods of obtaining personal financial information..
Product: Credit reporting or other personal consumer reports

Discover Credit Card XXXX XXXX XXXX XXXX NC XXXX XXXX 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX reporting inquiries. 

List inquiries XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXXXXXX Experian 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I signed a yearly rental lease, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX This property is owned by XXXX XXXX XXXX ( a subsidiary of XXXX XXXX XXXX ). During those three years of habitation, I paid rent every month ( including any necessary additional fees of background credit check, pet deposit, and an additional months rent as collateral ). In XX/XX/XXXX, I closed the purchase of a residential property where I now currently reside. After written communication with a legal agent of XXXX XXXX XXXX ( XXXX XXXX ), it was agreed upon that XX/XX/XXXX would be the last month I pay for AND reside at the XXXXXXXX XXXX XXXXXXXX. As such, XX/XX/XXXX was the last month I paid for towards my lease. I had no expectation nor knowledge of the disputed {$1000.00} balance until it appeared on my credit account on XX/XX/XXXX, over a year later. 

I received explicit written communication that the last months rent of the original lease was not owed as I no longer lived there, and they had found a prospective new tenant for that property to move in XX/XX/XXXX ( the last month of the original lease ). I have bank statements and text message receipts of these events, of which I forwarded to the credit agencies in my dispute ( and I have also attached here ).
Product: Debt collection

I just applied for a Mortgage and became aware that a negative credit report with XXXX and XXXX has not been withdrawn by Monterrey Collection Agency despite being contacted several time by myself and my attorney XXXX XXXX XXXX in XXXX. I attended a meeting in XXXX XXXX XXXX in XXXX for promoting a week Timeshare with the XXXX XXXX and signed a commitment to purchase with the understanding that we will try the timeshare for few days before a final commitment. We used the three days offered by the Company XXXX XXXX and found the place NOT satisfactory, the beach was invaded by vendors and the Hotel facilities were far from expected. We let the Company know of our disappointment and advise them that we will not be part of the timeshare program. We the received in XXXX several calls from Monterrey Collection requesting payment of {$15000.00} with interest accrued the total requested was {$24000.00}. My attorney advised that the document was signed in XXXX and could not be enforced in the USA unless ordered by an Arizona Court, that as a case of legal matter this agreement would be controlled by the Arizona Revised Statute 12-544 since it was signed outside USA and outside Arizona and the limitation period is 4 years. See attachment. We never used the facility or the timeshare beyong the three days offered in XXXX and was not aware that a negative report was filed on Credit Bureau until we applied for a Mortgage in XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my consumer report, I was so confused because I see accounts listed that do not belong to me. I discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX has unlawfully obtained my personal and financial information from unauthorized parties. This violation of privacy is deeply troubling to me, as it compromises my security and exposes me to potential identity theft and fraudulent activities. I do not have any written agreements with these companies. You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified The law is very clear as to the civil liability and the remedy available to me for negligence and noncompliance to ( Section 617 ) if you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed fraudulent accounts in my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Capital XXXX Auto Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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: Mortgage

I am asking you for your assistance with my mortgage loan that is being serviced by Wells Fargo. Since I became delinquent on my payments, they have not once allowed me to apply for mortgage assistance. I find it unfair that we bailed them out when they were in trouble last decade, but they have turned their backs on me and I see on line at ton of other homeowners. I believe that we should have allowed them to fail, as it is clear that they did not learn their lessons in how to service loans and treat homeowners. I went through some rough times financially a few years ago, but I am now in a very secure situation financially and want to start making my mortgage payment. However, Wells Fargo has not lifted a finger to assist me, nor have they assigned someone to help me through the process. Instead, they are marching forward with the foreclosure. They did give me a modification many years ago and that went very smoothly. This time is a completely different story and the end result of their lack of action will be a foreclosure sale of my home. I suffered through a year of unemployment starting in early 2018. I did my best to make whatever money I could while I was seeking permanent employment, but was forced to miss my mortgage payments. When I spoke with their representatives to advise that I had lost my job, they were ambivalent and did not allow me to apply for mortgage assistance. I believe they should have worked with me and offered me an unemployment modification, forbearance or other workout option to help me work through my delinquency. However, Wells Fargo never allowed me to attempt any sort of review for retention options and I can not get a review for assistance initiated. This is unfair and I believe that their only intention is to capture the significant equity I have in my home and kick my family into the streets. I find it unfair that my loan is being kept from assistance review that could help my situation ; while I have sleepless nights wondering what is going to happen to my loan.
Product: Credit reporting or other personal consumer reports

I am writing to address concerns about Equifax 's improper handling of a disputed account on my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX account was previously deleted on XX/XX/XXXX, but was reinserted on XX/XX/XXXX, without the legally required notification or evidence. This action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates notification within five days of reinserted information. 

Despite other credit bureaus, including XXXX and XXXX, having removed this account, Equifax continues to report it without providing sufficient verification. I have not been provided with any proof or documentation to validate the debt, nor a description of the investigation methods used. This raises concerns about whether Equifax conducted a reasonable and thorough investigation as required under FCRA Section 623.

To address this issue, I have filed a formal complaint with the Federal Trade Commission ( FTC ), citing the failure to adhere to FCRA guidelines and the reinsertion of disputed information without proper verification or notification.

I request the immediate removal of this account from my credit report and a detailed explanation of the procedures and records used in your investigation. Without adequate verification, the account must be permanently deleted and blocked from being re-reported. 

Attached are the following documents for your review : Proof of the previous deletion by Equifax and the subsequent reinsertion. 
Proof of deletion from XXXX and XXXX. 
Proof of previous CFPB complaint resulting in the removal of the account from my credit A copy of my FTC complaint regarding this account. 
Proof of address, my Social Security card, my ID, and previous correspondence with Equifax regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

XXXX XXXXXXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX