23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I have no knowledge of this account, and have requested documents but never received them.
Product: Debt collection

This is I think the 7th debt collection agency working for XXXX XXXX. I have never had an account with XXXX and I am constantly being harassed by these people. This letter says they have verified this debt is mine.How is that?? This has been going on for 5 years now. No one has yet to send me a copy of a contract, no copy of my drivers license. I want to sue for harassment. NO ONE HAS SENT ME PROOF OF THIS DEBT AND I AM CONSTANTLY BEING HARASSED. THIS IS NOT MY DEBT!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$670.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I have spoken to the company about having lost my job because of the crisis. My account was switch a few months back and I was not told I was going to be charged to have it. They continue to charge even when there is no money to draw from, which then they take more fees. This bank has very shady practices.
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 this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 I asked XXXX XXXX to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.
Product: Debt collection

Innovative XXXX XXXX has contacted me on a credit card debt in which they are trying to collect. I have received multiple calls from this company in which they state my name, my mailing address and advise that they are sending out immediate paper from the court county clerks office, If I dont answer the phone they contact relatives and if no answer this is a message that they leave on the answering machine services, they never disclose who they are when they call and they just repeatedly harass me over a debt that is past the 4 year statute of limitations in the state of california, I was able to locate who this company was by reverse look up of the phone number. I have never received any written correspondence from this company just harrasing phone calls. Everytime I speak with these individuals they say somethings coming and nothing ever does just using tactics to scare me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

{$1600.00} In Collection since XX/XX/XXXX Collection put on my name U don't owe or done business with the apartment complex! Similar name to my name without social security and different date of birth. 
I have called the Collection agency too many times without any luck and I have filed complaint with Fcpb and I asked for the documents has my name or I signed on it! I received a copy and name very similar to my name. 
I was able to rech the Guy and I asked him for a copy of his passport. 
So I'm going to send a copy of the lease with a copy of his passport. 
I'm US Citizen and have Amercian passport and Social security number and no one of those was written on the lease! 
Please compare names spelling and others papers. 
I have send a copy of my driver license and the other Guy passport and visa.
Product: Checking or savings account

I opened a checking account online with Huntingdon Bank. The account was open for a few months no problems, than one day they locked my account and I called customer service, they said I need to verify my identity at a branch ... the nearest branch was 50 miles away, and my liscence is suspended, thus I asked for them to close the account, they refused ... I made several attempts they still refused ... I filed a complaint with XXXX XXXX XXXX, Huntingdon bank called me and said they would closed the account and send the remaining balance in a check to the address they have on file ... that was a month ago ... when I hadn't received the check, I called customer service and they said the account is still open ... they are taking dormancy fees for my account and basically running the account to XXXX ... eventually I will be overdrawn by the fees and my situation sent to XXXX XXXX or XXXX XXXX XXXX ... all I want is the account to be closed ... they can keep the measley XXXX in the account ... I have a better bank ... please help ... thank you
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account nameXXXX XXXX XXXX XXXX Account number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing regarding my account referenced above. According to my credit report, the original account is marked as paid and the debt has been purchased by a collection agency. However, I have not received a 1099-C ( Cancellation of Debt ) form for this debt. 

As the debt was either forgiven or written off, I request that you provide me with a 1099-C form for the relevant tax year.
Product: Checking or savings account

In approximately 2016 i opened a business checking account with Wells Fargo. My " personal banker '' proceeded to set me up with a checking account and associated savings account, plus an IRA account. I never requested these savings account or the IRA account. I protested the IRA account saying I had never requested it but no one seemed capable of resolving the matter so I let it pass and left approx {$3500.00} in the account. 
For some time now I've been trying to get the funds out of the IRA account but Wells Fargo consistently says the " back office '' has not approved release of MY funds. I've been patient, signing various release docs and speaking with numerous individuals. Until recently, I thought it was the typical bank bureaucracy getting in the way. However, today I was told I need to sign a New Account doc in order for them to approve the release of the funds and I realized they want me to sign this doc so they have documentation of my request for an IRA account. They don't have the documentation because I never requested the IRA account. THis is proof that I never requested deposit of my funds in an IRA account. So, in addition to what I believe is the illegal deposit of my funds in the IRA account, we have a catch 22 situation where they have no record of my approval of the account which prevents them from releasing my funds. In order to resolve this situation they want me to sign a new accounts document so they have my signature on recorded for requesting an IRA account. Kind of proves my point. This is systematic manipulation of the system resulting in continued use of funds by Wells in spite of clear demand for return of client funds. I am not alone. 

I'm filing this complaint because I believe others have been treated this way by Wells Fargo. I had a an offhand conversation with my neighbor about this situation and she said she was in the same situation and not able to get her funds. Wells Fargo appears to continue to be the corrupt bank they have proven to be over the past decade. Unfortunate.
Product: Checking or savings account

On XX/XX/2025 I was supposed to receive my direct deposit check from my employer. As of XX/XX/2025 I have not yet received my funds, it is currently XXXX CDT Friday evening and still have not received anything. My total amount to be deposited is {$710.00}. I am hoping that by the time this complaint is received and reviewed the issue will be resolved by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I fell behind on payments with this company due to my income being negatively impacted by XXXX. After losing my job, it was impossible to find a job to make payments due to being on lockdown. My XXXX also fell gravely ill with XXXX and my family almost lost her. Despite this, I scrounged up some money to begin making payments towards Discover, even going so far as to use a XXXX relief grant from my school to pay off the remainder of the balance. In XXXX of XXXX, after my XXXX had made a full recovery, I was able to focus on other things and reached out to Discover explaining my situation and inquired if they could remove the late payments from my credit report. I received an automated response denying my request and no investigation whatsoever.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 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 negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

3. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter way back 3rd week of XXXX to file a dispute on inaccurate and unknown items on my credit report. I sent another letter on the XXXX of XXXX to complain about not having heard anything from them and under the FCRA they have to respond back to me within 60 days and have not received anything until now. I will have to file legal actions if this is not resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

Good afternoon I received an email on XX/XX/2024 stating that I owe XXXX  XXXX XXXX {$4600.00} with account ending in XXXX and this is inaccurate information that doesnt belong to me. I been trying to fight this for a while and really trying to get this off my credit report. I havent received any updates or further information. I called customer service and sent emails also. 
Respectfully
Product: Vehicle loan or lease

I applied for vehicle financing with Santander Bank, which is unlawfully demanding a {$26000.00} down payment. This requirement violates the Truth in Lending Act ( TILA ), specifically : 15 U.S.C. 1605 defining finance charges to include all charges, prohibiting additional down payment demands.

15 U.S.C. 1662 ( b ) barring extra cash requirements for approved credit transactions.

Santanders requirement was not disclosed initially, and they deny me financing if I dont comply. Additionally, their request for my private financial details ( proof of income ) violates FCRA privacy protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ignoring my repeated disputes since 2015 .Why they are taking so long to fix report, even they are not entertaining my complain at CFPB.I request CFPB to take immediate legal action against Equifax as they took 8 years to investigate fraud negative items on there report. 
I attached the XXXX XXXX XXXXXXXX letter issued to my Attorney to delete this fraud activity account and score to go over 730 as per other credit Bauru. They should look the attachment and delete all negative item within 24 Hours The XXXX XXXX Account is fraud and identity theft account and need to be deleted immediately as promise by XXXX
Product: Debt collection

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists.
Product: Debt collection

Hello, I hope this message finds you well. I am writing to address an issue regarding a debt from XXXX that I recently received a notification about. This debt has already been paid with collection agency. However, it seems to be negatively impacting my credit rating, which is of great concern to me. I have been working for years on credit rating and I am on process of purchasing a house next year but it has affect me a lot. 

I have diligently maintained a good credit rating over the years, with no previous debts or late payments. The situation with XXXX appears to be a result of a mistake on their part, which has unfortunately affected my credit score. 

Allow me to explain the circumstances surrounding this issue. This was my last month 's bill with XXXX, and for me it was impossible to be paid because their system blocked my access to it. XXXX, failed to include my last monthly bill when I requested to transfer my number to another carrier. Additionally, they deleted my account, never sent an email or sms to notify me that I haven't paid last month 's bill. 

After a couple of months, the outstanding amount was sent to a collection agency, and I promptly responded by paying it off. I was able to resolve the matter with XXXX, as they understood the circumstances. However, I am encountering difficulties with XXXX and XXXX in removing this erroneous entry from my credit report. 

I kindly request your assistance in rectifying this situation by deleting the account from my credit report. It is evident that this issue stems from a mistake, and I was never properly notified about the outstanding amount. 

If there are any further details or documentation needed from my end to facilitate the resolution of this matter, please do not hesitate to let me know. Your understanding and cooperation in this regard are greatly appreciated. 

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

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have read a review written at the portal of CFPB ( XXXX ). On it, your employee mentioned please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. It is fine to mention any service which has done by others for other person to be charged ; however, in this case, I have paid off all debt every month. As you must have checked my credit record to create a credit report, you must have checked my credit history officially ; therefore, it does not make sense you mention about credit repair company on my case. If you believe I need the service of credit repair company, you must have seen somebody else, who have bunch of debt and might be in danger of bankruptcy. In this case, I believe the necessary to ask the official investigation why your company employee considered I need the assistance of credit repair company, whose credit history this person has checked, and is that person, whom he/she has checked, has had the name, XXXX XXXX XXXX since I have the right to ask this legally sensitive question as a victim of identity theft. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my Equifax credit report from XXXX XXXX for {$1100.00}. I disputed it twice and they did nothing, said they had no note of the dispute. My most recent dispute was XX/XX/XXXX. I was just hung up on by them after being told I had an outstanding balance. I have n't even been in this hospital for over 10 years and insurance should have taken care of this bill. I 've been trying to get the information that I need to sue them in a court of law and they denied giving me the information. XXXX and XXXX had no problem taking this off of my report but Equifax has not. It has been well over 5 months since I began disputing this. I 've done it online, by mail and over the phone. I am also filing a report with the XXXX XXXX XXXX XXXX because it is affecting my health, causing stress with them lying and stealing my identity for at least how long it has been on the credit report. Being on XXXX for approximately 22 years, I have had full XXXX  and XXXX insurance. I want this mark off of my credit report. If anybody can help me, please and thank you. I have tried hard to straighten my life out through my XXXX but this company continues to steal my identity through my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, OH XXXX :