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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CO, XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : XXXX XXXX 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: Debt collection

Portfolio recovery associates LLC calls my number XXXX and number XXXX several times a day with different numbers. And yes I know it's them because I have called some of the numbers back and told them several times to stop calling both numbers. Please help me to get these calls stopped. I have told them I am in the process of filing bankruptcy and and an attorney would be in touch with them as soon as I have one. But they continue to call over and over. I have all the numbers they call from saved so they can't lie. They call from Colorado numbers hoping I will answer the calls.I have even screened the calls at which point they hang up. They are also looking for someone by the name of XXXX XXXX or XXXX not sure I couldn't understand who they asked for just know the last name is correct. I have no clue who that is on either number I have given you. I would like them to cease any further communication. I want these calls to stop on the XXXX and the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and inconsistent information reported on my credit report, specifically concerning an account listed as " XXXX XXXX, '' Account XXXX : XXXX, with a balance of {$2600.00}. 

On XX/XX/year>, XXXX conducted a thorough investigation of this account and removed it from my credit report. The investigation results were as follows : INVESTIGATION RESULTS- DELETED : " The disputed item ( XXXX ) was removed from your credit report. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite this, Equifax sent me a report on XX/XX/year>, stating that the information had been verified as accurate and correctly reported. Furthermore, XXXX continues to list this account on my report. 

This inconsistency between the bureaus is causing irreparable harm to my credit score, and I am requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, and remove this item from my credit report. 

In accordance with the FCRA, Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D, I am also requesting the names and business addresses of each individual with whom you verified the aforementioned account so that I may follow up on this matter. 

Please provide me with an updated copy of my credit report after your reinvestigation, as required by law. 

I appreciate your prompt attention to this matter and look forward to your immediate action to correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under : 15 U.S.C 1681 section 602 A. that states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 that states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX.
Product: Checking or savings account

On XX/XX/2019 my Bank of America account was closed due to fraud activity. I had no knowledge of said fraud activity. That left me with a charge of {$2.00} on my account and fraud activity alert in the XXXX system. I am requesting that this be completely removed from my XXXX systems account.
Product: Mortgage

I have a 40 year ARM that adjusts yearly. On XX/XX/XXXX, I exercised a one time option to fix my loan at the current rate without the need to refinance. Per the " Adjustable Rate Mortgage Disclosure Notice '' I requested this option on the above date with a letter in writing. 

In XXXX of XXXX I noted that I received an " Adjustable Rate Mortgage Disclosure Notice ''. My payment had gone up and the rate had not been fixed. 

I contacted Union Bank, they stated, they did not receive my letter and will not honor the request. They will not acquiesce to any concern of mine that the letter was overlooked or intentional neglected. Do I have any recourse?
Product: Vehicle loan or lease

this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal follow-up to my initial dispute regarding the XXXX Mortgage account XXXX XXXX XXXX XXXX XXXXXXXX  While you verified this account as accurate, a closer review reveals several discrepancies in the way it is reported. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) and must be corrected or the account must be deleted.
Product: Debt collection

this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter.
Product: Debt collection

On XX/XX/2020 I became aware that my credit score decreased by 44 points, from XXXX to XXXX, during XX/XX/2020 because of a " derogatory account '' that Credit Management , LP had notified the credit reporting agency XXXX  they were collecting on behalf of XXXX XXXX XXXX. 
I contacted Credit Management , LP for first time via telephone on XX/XX/2020 XXXX XXXX to gather information. 
Contacted Credit Management , LP for second time via their website https : //www.creditmanagementonline.com/questions on XX/XX/2020 XXXX XXXX to issue a letter to initiate my dispute. 

I disputed this debt because I was never contacted by neither XXXX XXXX nor by Credit Management , LP in regards to either proof of this debt or its collection. Credit Management , LP may be in violation of the FDCPA ( section 1692c.b ) by having failed to issue me notice of the alleged debt prior to contacting consumer reporting agencies, and in doing so having intentionally damaged my personal credit score with no proof of debt having ever been presented to me. I believe this currently amounts to libel.
Product: Checking or savings account

Chase has out of the blue decided to restrict my account. I am student and have XXXX  to my name. My rent was due today and because of this my landlord has decided to kick me out., chase has said that they WILL close in account in 10 business days and will send me a check after that : while all this goes on, I am homeless in a different county with no money and nothing to eat. Its very distressful and I am having XXXX XXXX because of this behavior of chase. If you can help ; please help I I have no option but to XXXX XXXX XXXX
Product: Debt collection

They called me a week ago and I missed the call. They left me a brief message that didnt say what it was for. I called back and the number was disconnected. I looked them up by number and found out who they were. When I tried calling the number on the XXXX search, it also told me it was disconnected. 
Then Today XX/XX/year> at XXXX they called me and woke me up and I answered. The lady XXXX asked me who I was. I responded with who is this?. XXXX said I cant give that information without knowing who this is in which I responded lol, please tell me who this is she repeated her statement again and asked me if she was talking to so and so, I said sure ( which is not an answer ). She then said who she was working for and if I still lived at some address. I said you cant contact me. Ive already sent you a do not contact letter, so have fun with that Then I hung up. 
I feel that the lack of info they were willing to give and request for info is wild. Even when I asked what this was about ( even after saying sure and her giving me the name ) she wouldnt give me that without an address update.
Product: Credit card

I was late with my payment, I have since made the payment, and they called my work. I cant make personal calls but they can leave a message on my direct line. Somehow XXXX XXXX called and left a message on a different line which was subsequently distributed to my entire department and a second department. So now 20 people including two vice presidents know I have a past due credit card.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 of the FCRA, codified at 15 U.S.C. 1681i, Please provide the names and business addresses of each individual with whom you verified the accounts above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

My name : XXXX XXXX XXXX XXXX XXXX XXXX My SSN : XXXX Address for the past two years : XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccurate in my account. this account is hurting my ability to obtain credit. I don't have any contract with this company and a don't know it. it is my undertstanding that you will investigate these items for me to ensure accurate : transunion : XXXX / NUMBER ACCOUNT : XXXX DATE : XX/XX/2024 XXXX
Product: Checking or savings account

I changed the Account/DDA to withdraw funds and contribute towards my IRA. I informed the Huntington  XXXX   XXXX  of the new account number and routing number, this was completed on  XXXX   XXXX    XXXX   by faxing an updated form to them. I informed them the amount will stay the same, the only thing changing is the account. On  XXXX   XXXX ,  XXXX  Huntington withdrew the money from an old account and claimed since they were not informed of the amount they did not update the withdraw information. On  XXXX   XXXX ,   XXXX   I sent over the same form to have the account updated. I spoke with my personal banker and was informed this is now set up correctly.   Huntington sent me a letter stating they were unable to transfer funds, however this is due to their error of not withdrawing from the correct account.
Product: Debt collection

XX/XX/2020 I contacted Hunter Warfield Collections and spoke with XXXX. I clearly asked about a account regarding my wife XXXX XXXX. XXXX only asked for my name as identification and nothing else. He clearly discussed my wifes debt without her consent. He also clearly stated that there were not any notes disputing the account. After he acknowledged we have called in several times and did indeed dispute that the debt is not ours. But we were threatened by the original debtor to pay the debt or they were going to sue us. Which is illegal. XXXX clearly stated on a recorded line clearly all of the debt that is owed without any identification other than my name. No address, social not even phone number was obtained to verify who I was. I was with my lawyer on this call and we recorded this as well. As texas is a one consent party state allowing recordings. Once I notified XXXX of his errors he quickly recovered and tried to say he discussed this with me. Because my name is on the debt as well. That was never discussed on the call and again even if so no ID other than my name was used when he gave private information. Hunter Warfield as you will hear in the call also has not been handling the account properly. By not disputing this and kicking it back to the original debtor. Especially when there is a written threat of suing by owner to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple documents that was asked of me. XXXX keeps ignoring my request, experian will not remove old addresses asked of them and equifax updating my information wrong.
Product: Debt collection

the reporting agency is violating XXXX law by reporting a very confidential medical issue of mine i got a letter from the medical dept. and they said they do not report any debt to the reporting agencies as it would violate XXXX. the amount is {$9500.00} by XXXX XXXX original creditor is XXXX XXXX XXXX i have wrote the agency multiple times with no response pls help me out thanks..
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on SundayXX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on.

the company is as follows : XXXX XXXX, DE XXXX  ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company.

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX has been deleted from my TransUnion credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX customer service, I was informed that they reported to all three credit bureaus XXXX, XXXX, Transunion on XX/XX/year>. However, Transunion has failed to accurately reflect this information on my credit report. Instead they deleted from my credit report.I will be uploading screenshots to demonstrate the discrepancies in the accounts listed, and report this matter to XXXX. 

Furthermore, Transition has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide TransUnion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting. These accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts/ Inquiries name ; [ [ XXXX XXXX XXXX XXXX ) ( ( ( XXXX XXXX XXXX ) ) 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 15 USC 1681c. [ a ] [ 5 ] Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime which antecedent the report my more than 7 years 15 U.S.C 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) BALANCE : {$430.00} STATUS : DEROGATORY ACCOUNT # XXXX To Whom It May Concern : This letter is being sent to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Debt collection

XXXX XXXX {$660.00} PRO Collect left a 38 second message stating this is an attempt to collect a debt by a debt collector providing private information on a cell phone that is contracted under my stepfathers name. Also, they left a 1:03   message for my husband on XX/XX/18 on my cell phone - again, contacted under my stepfathers name with a message regarding an account and debt owed to pro collect. I also have a ( XXXX ) area code which, by law, is recognized as a spousal state.
Product: Payday loan, title loan, or personal loan

My complaint is with A company called VANCE AND HUFFMAN LLC ( XXXX XXXX XXXX ) presented on credit score since XX/XX/2018. Also I have disputed this account once for Fraud. The amount due is {$1500.00}
Product: Mortgage

Our house had damage during Hurricane Sally. Our insurance company issued us a check for cleanup. This check was sent to our mortgage company for their endorsement. It was signed for and received on XXXX XXXX. We sent a couple of emails with no response. We called a couple of times and was told each time it was at the " endorsing department ''. As of today, XX/XX/XXXX, we have STILL not received our check back. We have tried to work with them but taking two weeks to turn around a check that is for cleanup of our home is ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX  Account # XXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX bankruptcy Reference # 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was impacted by the Equifax Data Breach and many items in my credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Fraudulent Item & Explanation : XXXX XXXX XXXX XXXX XXXX {$3800.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXXXXXX XXXX  - {$21000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX - {$910.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXXXXXX XXXX XXXX {$360.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXXXXXX XXXX XXXX {$390.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 9. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX$1000.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) 11. XXXX XXXXXXXX XXXX- {$410.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 ) XXXX. XXXX XXXX XXXX$1200.00} ( Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2 )