23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Not no one responded back, to remove bankruptcy off of all credit agencies
Product: Mortgage

Hello, I am a Senior citizen in XXXX County Maryland. 

My problem is not that I cant make my mortgage payment but that Wells Fargo will not allow me to make it! 
I was on their Covid relief sense XX/XX/2020, now I want to return to Making my normal mortgage payments they wont let me. They will only accept the entire amount for all the missed Covid relief months before I can pay the current month. 

I have been trying to make a current payment sense XXXX and only get a run around. They demand documents, I send Them the documents and then they just ask for more documents. It is never ending. They treat me as I were applying for A new loan, I am not, I already have a loan. I have been corresponding with Wells Fargo for 3 months now and am getting nowhere. 

Sincerely, XXXX XXXX Sent from Mail for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. 
XXXX XXXX Date Opened : XX/XX/XXXX {$960.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$4000.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$2200.00} XXXX XXXX Date Opened : XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$6300.00} XXXX FIN XXXX Date Opened : XX/XX/XXXX {$4400.00} XXXX XXXX Date Opened : XX/XX/XXXX {$3800.00} XXXX XXXX Date Opened : XX/XX/XXXX {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ' ve reached out to LexisNexis regarding information on my consumer report to be removed. They claim it's valid. I don't understand why addressees are on my report and I've never lived there. I don't understand why different variations of my name is on there. I spell my name one way because another entity refer to me as another it should not be made part of my profile. If I never lived somewhere it should not be a part of my profile. I pay extra for another Layer of privacy, not listed non published yet LexisNexis has my phone number as part of profile. My cell number is private they also have that as part of my profile. I don't understand why my childhood resident is relevant to my profile. I've lived at the same place for 23 years why where I lived when I was XXXX relevant to my profile.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/XXXX i received a alert on my experian credit monitoring account notifying me of a alleged collection account from Congress Collection. I have never done any business with this creditor, i have not consented or authorized for this fraudulent invalidated information to be furnished on my consumer report. I have never signed any contract with this creditor. I have never authorized or given permission for this alleged creditor to furnish or house any of my personal/private information. I have never received any notice from this creditor before it was reported to my comsumer report, I have no knowledge of this alleged debt. On XX/XX/XXXX I sent in paperwork requesting validation of this alleged debt and cease & desist correspondence if the alleged debt can not be verified and validated per FCRA requirements. I have yet to receive any of the proper paperwork, I spoke with XXXX XX/XX/XXXX at approximately XXXX expressing that they were still illegally reporting to my consumer report without verifiable validation information I requested. I notified XXXX to please cease and desist any and all communication If they can not verify or validate this alleged account is indeed mine. Without proper paperwork i can not be sure that this alleged debt is mine. XXXX acknowledged receiving my request and stated even without the required paperwork or information to validate this account is indeed mine she still was allowed to have my personal information and report it to my consumer report without my consent. I know that not to be true and they are breaking the law! I feel I have no other choice but to file this complaint with the CFPB because this company is breaking the law and trying to coerce me into payment of a invalidated alleged account thats causing great harm to my credit file! Please help! FCRA violations will be notated!
Product: Money transfer, virtual currency, or money service

I have made multiple attempts to stop marketing from American Express. After receiving multiple credit card offer and then being denied. I asked American Express to stop all the marketing efforts to me at all my addresses. I also submitted an XXXX  Opt-Out and I submitted a Do Not Market request with the XXXX. I have also submitted complaints to Consumer Financial Protection Board about the issue.

I have spent thousands of dollars of my own money to repair my credit. I was asked by my legal team to sign up for opt out and XXXX. I have been successful in reducing my total number of inquiries. Although, when companies like American Express ignore my request, it negatively impacts me. It threatens my investment in improving my credit score, it threatens my ability to obtain employment, it also threatens my credit score. I am very unhappy that i continue to be marketed to for no valid reason. 

I was already signed up and had marketing material sent to my home by American Express. I have asked that the marketing stop. I have asked that the solicitations stop. I want to improve my credit so i can make important purchases in the future and to improve my ability to retire comfortably. I believe the American Express is not being an ethical company. I also believe that i have been treated unfairly by American Express.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within XXXX complete billing cycles of the consumer after receipt of the billing error notice reported XX/XX/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).
Product: Debt collection

On XX/XX/XXXX, I received a collection notice from AmSher Collection Services. On XX/XX/XXXX, I returned the response in which I checked the following : This is not my debt Other in which I attached a letter I also checked that I wanted to receive the name and address of the original creditor. 
I attached all as attachments. 
The following was mailed by US mail to the Collection agency to AmSher Collection Services , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. 
My letter that I have attached as proof requested original signed document of my debt to them among other. As of today 's date XX/XX/XXXX, The collector has failed to verify this debt and respond to my letter. 
Upon receiving my letter however they did in bad faith report me to all three credit bureau without verifying that this is my debt. 
Proof of documents were uploaded.
Product: Credit reporting or other personal consumer reports

CarMax is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by CarMax. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to CarMax Inc. due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report on XX/XX/2022 and uncovered an inquiry on my credit report that I did not authorize done on XX/XX/2022. I called Transunion and disputed inquiry with them. I advised them that I was not able to get a hold of anyone at the company. The rep I spoke with at Transunion name was XXXX and he advised me that I needed to send a dispute letter to them stating that I did not authorize the inquiry and once they receive it then they would delete inquiry. I certified mail the letter to Transunion on XX/XX/2022 based on instructions given to me by Transunion. The company that did the inquiry XXXX XXXX XXXX XXXX and I have never applied for any credit with them nor have vehicle with them. I called them back on XX/XX/2022 and was able to speak to XXXX who looked up my information and stated show could not find my information in their system and that they are unable to send anything to Transunion to remove inquiry since they are not able to locate my information in their system. I called Transunion back on XX/XX/2022 and spoke to XXXX and he advised me that they did receive my dispute letter and that they needed to transfer me to a manager. I was transferred and spoke to XXXX and was advised that they could not remove inquiry off credit report without a letter from creditor who ran the inquiry. I advised XXXX that I spoke to the company that ran my credit report does not have me in the system and they are unable to write a letter to have inquiry removed. This has been very frustrating and Transunion continues to lie and change information on what they provide consumers. While I was also on the phone with XXXX I went over with about another inquiry that was done on XX/XX/2022 from XXXX XXXX XXXX XXXX that I also sent a letter about the same day I sent regarding XXXX XXXX XXXX XXXX and he gave me the same information. They continue to give me the run around.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Inc. experienced a security breach from mid XX/XX/XXXX through XX/XX/XXXX where they recently started a website for consumers to find out if they have potential impact regarding the breach. This website is XXXX. I entered in the information required on this website and found that I am on of the people who have been potentially impacted. 

The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 

This improper use of my information and report by XXXX violates my privacy and puts me in danger of becoming a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and inquiries that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention for removal : 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 

I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report. 
Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting 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 correct : XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my  credit score  very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the   XXXX   XXXX   XXXX   is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since   XX/XX/10     fyi
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have tried and continually dispute a wrong name and address with Experian but the company refuses to take it off my credit report
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the multiple unsuccessful attempts to correct the inaccuracies on my credit report, specifically concerning late open accounts and the removal of late closed accounts. Despite my persistent efforts to rectify these issues, they persist, casting a shadow on my financial standing and causing unwarranted distress. 

I first brought these concerns to your attention, and since then, I have made numerous attempts to resolve these matters. Unfortunately, my previous attempts have proven fruitless, and the late open account and late closed account continue to mar my credit report, negatively impacting my creditworthiness. 

This situation is not only causing me financial hardship but is also eroding my confidence in your dispute resolution process. I have submitted the required documentation and followed the established procedures diligently, yet the corrections have not been implemented as expected. 

I demand an immediate and thorough investigation into the persistent issues with my credit report, with a specific focus on the late open account and the removal of late closed account. Furthermore, I insist on a detailed explanation for the repeated failures to address these matters adequately. 

I understand that errors can occur, but the prolonged nature of this issue raises serious concerns about the effectiveness of your credit reporting system and dispute resolution procedures. I expect this matter to be treated with the urgency it deserves, and I demand a comprehensive response within the exact time frame from the date of this letter. I am asking for your assistance to correct these late open account and remove the late closure in my credit file : 1. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX XXXX  US DEP ED, XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX