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

Account XXXX XXXX XXXX XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$810.00} According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address several concerns I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant errors in my credit report, which I believe have resulted from the Bureau 's failure to adhere to proper procedures and maintain accurate information, as required by 1681 ( a ) ( i ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am a resident of New York and covered under the FCRA and New York General Business Law ( NY GBS ) as a consumer. The errors in question have persisted before, during, and after the dispute process, constituting violations of state law, FCRA, and NY GBS. I kindly request a thorough reinvestigation into the following discrepancies : Violation # XXXX : Notice to Delete Account Immediately XXXX Account # XXXX : Incomplete Reporting : The account opened in XX/XX/XXXX, but there is no information reported until XX/XX/XXXX. The frequency of payments due is unknown this constitutes illegal incomplete reporting. Missing Information : Data of last activity, first delinquency ( stated as XX/XX/XXXX ), and terms frequency are absent. this constitutes illegal incomplete reporting. Incorrect Account Status : Despite being listed as a collection account ( status C ), there is no corresponding entry under the collections section. Creditor Classification : The type of business for XXXX is marked as unknown, which should be corrected. this constitutes illegal inaccurate reporting. Date Closed : The entry for the date closed is missing, and it should, at the very least, reflect the date the account was paid. Incomplete Account History : The actual payments made do not reflect accurately, with high credit showing {$0.00} and an incomplete amount past due in XXXX of XXXX entries. These discrepancies not only violate the FCRA but also indicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit information, as required by 15 U.S.C. 1681e ( b ). I urge the Consumer Financial Protection Bureau to address these issues promptly and thoroughly. It is imperative that inaccurate and unverifiable information be either corrected or deleted from my credit report, in accordance with federal and state laws. This account is reporting illegally and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

Good evening, I have been disputing with a collection agency by the name of ARS Account Resolution. They have reported to XXXX and XXXX   that I owe this medical bill in the amount of {$1800.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as this will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ARS Account Resolution. As well as hey stated requesting a HIPAA Authorization with my signature. NO REPLY.

Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if ARS Account Resolution can not validate the debt, they must request that all crediting reporting agencies delete the entry.

Again, they have not sent any evidence nor have they responded to any of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX.
Product: Checking or savings account

I tried to deposit XXXX checks that my parents had gifted to me, but the payees were listed as my parents and we did not endorse the checks correctly by mistake. Chase bank then restricted my checking account. Ive called the fraud department and they said the solution was to verify my parents identities through their phone lines. I gave them the correct numbers but they havent been able to establish a connection between me and my parents. My parents have offered to send in a verification letter, provide their social security numbers, come into a Chase branch in person. All these solutions have been denied. The payer of the checks have been contacted and they confirmed that the funds have been taken out of on their end. I can not access any of my funds and my account has been scheduled to close permanently in 10 days. Chase is providing no further solution.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Republic Finance regarding a series of issues related to a loan experience, credit reporting discrepancies, and potential violations of consumer protection laws. I believe these matters require immediate attention and intervention by the Consumer Financial Protection Bureau. 

Lack of Loan Disclosure : Despite never filling out an application, I received a check in the mail from Republic Finance, which I later discovered was associated with a loan. There was no accompanying information explaining the terms of the loan. This lack of disclosure has left me with a limited understanding of the financial obligations associated with the loan. 

Exorbitant Interest Rates : I am deeply concerned about the interest rate applied to the loan, which appears to be exorbitant. The interest charges accrued have reached nearly three to four times the initial loan amount, creating a substantial financial burden that was not adequately disclosed or anticipated. 

1099-C Issuance and Credit Reporting Discrepancies : I received a 1099-C Cancellation of Debt form from Republic Finance, indicating the discharge of the debt associated with the loan. However, my credit report still reflects negative information from Republic Finance, contradicting the debt cancellation indicated by the 1099-C. This inconsistency is causing confusion and adversely affecting my creditworthiness.
Product: Debt collection

Americollect , INC . 
XXXX XXXX XXXX XXXX, WI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX SSN : XXXX Date of birth:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 also States a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I have been a customer of Wells Fargo since XXXX and I have been a victim to a cyber attack. 

The morning of XX/XX/XXXX I logged into my Wells Fargo Account and noticed 4 unauthorized XXXX transfers totaling {$2100.00} The amounts and details listed for the XXXX activities were : {$500.00} to XXXX  XXXX, {$660.00} XXXX XXXXXXXX, {$500.00} to XXXX XXXX, {$490.00} to XXXX XXXX. I did not authorize these transactions and neither did my husband who is also an authorized user on this account. I immediately hopped on a call with Wells Fargo customer service and they canceled my old account and opened a new one. I was sent a new debit card and checks as a result of this happening. Initially it felt like Wells Fargo was working on canceling the XXXX transactions, to later learn that my claim was denied. 

I have since opened a case with my local Sheriff department and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. The letter I received as part of my case being closed was very vague and does not give any insight on what Wells Fargo did to investigate this issue. Our research shows that the transaction was made through a secure online banking session ... What was the research conducted? What is a secure online banking session? ... by you or someone you had your authority ... Apart from my husband and myself no one has the authority to make transactions on this account. Neither my husband nor myself has authorized these transactions ; as mentioned while opening the case, these transactions are fraudulent. ... no other processing errors occurred. How would processing errors affect the authenticity of the transactions? ... based on this information, we determined the transactions was authorized To reiterate, these transactions were not authorized. After I sent my physical letter ( everything that was written above ) to Wells Fargo they denied me once more, on a letter dated XX/XX/XXXX stating that someone who was authorized made the transaction.
Product: Student loan

On XXXX of XXXX, I called to get my monthly payments lowered. No help waited on hold for 45 minutes to be told to go online and try to select an option. She stated on her end that she could n't lower it if I did n't apply for IBR. So I did what I was told. Never heard anything back so now its XXXX XXXX and I get an automated call telling me I was denied. I need to start paying XXXX by XXXX XXXX, XXXX I ca n't afford that. So I called again this time waited on hold for 1 hour. Explain my situation and everything. She basically told me there was noting she can do I need to pay by the due date and hung up in my face. So unprofessional and rude.
Product: Credit reporting or other personal consumer reports

TransUnion continues to ignore my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) that protect me as a Victim of Identity. TransUnion continues to ignore official documents of a XXXX XXXX Police Report and a FTC Report. TransUnion continues to state my documents are not official with no proof in proving my documents are not official. TransUnion continues to do nothing when it comes to my many disputes to remove XXXX XXXX and many Inquiries due to Identity Theft. I have included to TransUnion all letters from the lending institution stating that their Inquiry/Inquiries reporting on my credit report is due to Identity Theft. By providing the letters from these various lending institution dealing with their Inquiry do to Identity Theft, this alone gives TransUnion the proof to Delete and Remove all Inquiries that match up with the letters stating that their Inquiry/Inquiries are Fraudulent. Also providing a copy of my letter to XXXX XXXX sent certified mail to XXXX XXXX is further proof of Identity Theft. Along with the FTC Report and XXXX XXXX Identity Theft Police Report. What more does TransUnion require and want as proof of my Identity Theft.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company XXXX XXXX is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquires that i do not recognize. According to the 15 USC 1681 law the companies are violating my consumer right to privacy and the companies has no permission to report anything using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 correction due to inaccurate reporting in my file. 
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