23daVinci/CFPB_Complaints huggingface dataset:
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 the 3 credit bureaus 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; If the credit bureaus 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 you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Credit reporting, credit repair services, or other personal consumer reports

I received an email from this debt collection agency XX/XX/XXXX at XXXX XXXX 

My rights are being violated in several ways. 

15 U.S.C 1681 602 A States I have have a right to privacy.

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

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I received a collection report on my credit. This debt is a result of identity fraud. I have reported this to the social security agency and I need it removed! In addition According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX 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

XXXX XXXX  - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA
Product: Credit reporting or other personal consumer reports

To whom it may concern I am requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports. The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything. The law requires that you make sure all of your claims are accurate and reports in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps. All of our information must be reported accurately and accordance with Metro 2 regulations or else your could face fines. Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore I'm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I'm looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim if any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and improperly reported collection account listed under account number XXXX on my credit report. Under 15 U.S. Code 1681o, I am asserting a claim of civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling and reporting of this account. 

Upon reviewing my credit report, I have found that XXXX XXXX XXXX has failed to ensure the accuracy and fairness of the information being reported, in violation of the FCRA. Specifically, I believe that : The reported information is inaccurate, incomplete, and/or unverifiable. 
XXXX XXXX XXXX failed to properly investigate my previous disputes, thereby acting negligently. 
The continued reporting of this account has caused financial harm, including damage to my creditworthiness. 
Under the FCRA, you are required to ensure that all information reported to credit bureaus is accurate, complete, and verifiable. Your failure to comply constitutes negligence, making you liable for any actual damages I have suffered, including but not limited to denied credit applications, increased interest rates, and emotional distress. 

I demand that you immediately delete or cease reporting this account to all credit bureaus or provide verifiable proof that this account is valid and was reported in full compliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate this issue, including seeking legal remedies under 15 U.S.C. 1681o, which allows for the recovery of damages and legal fees due to your negligence.

Please respond to this dispute in writing within 30 days from the date of this letter. I request that all future communication regarding this matter be in writing. 

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

In accordance with the fair credit reporting act XXXX XXXX account ending in : # XXXX has violated my rights. 

Under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXXXXXX XXXX XXXX  needs to be updated as paid as agreed, NO LATE PAYMENT on Equifax, XXXX, XXXX and any other furnishes of my personal credit.
Product: Credit reporting

I contacted Experian about incorrect payment history for my XXXX XXXX account, which listed a 30 day late payment for XXXX 2016. I disputed this information as being incorrect and even offered to provide documentation to show that payments have never been missed and that this is an error with their system or with XXXX XXXX however it needed to be fixed. I just received the dispute results that indicate that Experian somehow verified this information to be correct however I just got off the phone with XXXX XXXX and they confirmed that there should be no lates in the system and that they did n't verify this information to be correct. Not sure what is going here but it needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

I just viewed my recent credit report from XX/XX/year> and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence. 

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

XXXX ) XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my credit monitoring site and noticed a few fraudulent accounts that im going to put in this complaint. I had no knowledge of these accounts. i would like these accounts removed, they are affecting my credit score.
Product: Debt collection

Midland Credit Management is attempting to collect a debt that never belonged to me. 
The debt is a result of Identity theft. I am a victim of Identity theft. This debt has never belonged to me. XXXX is demanding that I pay XXXX for a fraudulent debt that occurred as a result of my personal information being stolen.
Product: Debt collection

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts. See attached FTC / ID THEFT REPORT.
Product: Debt collection

I have contacted Barclays ban/gap card several times regarding an unpaid debt : I was dealing with XXXX XXXXXXXX and my credit and finances were used without my consent. Barclays contacted me several times but I was unable to pay. I have been contacting Barclays since XXXX of last year 2022 to settle the debt. I have been told on several occasions that the account was sold to another creditor and that I would have to wait until I am contacted. I have never been contacted and this is causing a hardship on me because I am trying to rebuild my own life as well as my children. I cant do that because this debt is holding me back. I cant pay it because for an entire year Barclays Bank cant even tell me who has the account. Ive been told by Barclays representative to call back constantly because they may get the account back. Every single time that I fall Barclays Bank has no information for me. However they wont remove the debt. I dont know what else to do.
Product: Mortgage

Flood insurance was not paid until XXXX. Sent proof of flood insurance but house went into foreclosure. Addition fee added {$2300.00}. Letter of Foreclosure received XX/XX/2022. Letter referred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Ca XXXX. XXXXfor any questions and reinstatement. Since XX/XX/2022 have been waiting for amount owed for reinstatement. Have eight emails, five phone calls going back and forth with XXXX since XX/XX/2022. They have received no information from PHH Mortgage, the server, with the needed information. PHH Mortgage has not complied to any of XXXX 's request for information. PHH mortgage will not respond!! I need help with PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX. XXXX. The account is listed under my dad XXXX. I have Durable Power of Attorney... all notorized and verified both by PHH and XXXX. Please help me!
Product: Credit reporting or other personal consumer reports

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRAXXXX XXXX compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX  XXXX Late Payment {$100000.00} XXXX XXXXXXXX XXXX Late Payment {$760.00} XXXX XXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$660.00} XXXX XXXX Late Payment {$590.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$740.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$710.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$14000.00} XXXX XXXX XXXX XXXX XXXX Collection {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$1300.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX Charge-off {$2200.00} XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$24000.00} XXXX  XXXX Charge-off {$3000.00} XXXX XXXX Charge-off {$580.00} XXXX  XXXX Charge-off {$0.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$400.00} XXXX XXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXXXXXX Charge-off {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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

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

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

I went to transfer funds into my Affirm savings account and was denied the transfer stating that they can not verify my identity. They locked all of my bank accounts that have been input for transfers with no explanation they have never called me, emailed me or anything so as of right now I have {$780.00} that I need for a vacation that I have been saving for that I can not access, when I called them I was transferred four times no one could tell me why my account was frozen. Finally the last person I spoke to you told me they had to escalate it and that someone would email me within 4 to 5 business days now when my money is frozen, I understand youre trying to protect my identity, but I expect this to be resolved within 1 to 2 business days not be sitting here waiting for five business days for whatever information that they want when they never even notified me what was going on with my account. I suspect they flagged it because I let my daughter take alone and we have been paying that loan with her debit card so Im going through this ridiculous nightmare because I used my daughters debit card on my loan I just want my money out of my savings account. One must wonder what would happen if I had an emergency and couldnt access my money I will never bank with them again. The really infuriating part is that they continue to take money out of these accounts that theyre saying they cant verify so its fine for them to take payments, but they wont allow me to access my savings.
Product: Debt collection

Company " Commonwealth Financial Systems '' claims I opened an account on XX/XX/XXXX and claiming a balance of {$650.00} is owed to original Creditor XXXX XXXX XXXX XXXX and was reported to them XX/XX/XXXX as a collections account. This is false information and I do not own any account with either company. I would like for this to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX 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 Transunion 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 XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Also XXXX has updated me report correctly, its just XXXX with some inquires and Experian with some accounts and inquires.
Product: Credit card or prepaid card

In XXXX of XXXX and XXXX of XXXX Capital One Bank put a late payment on my account. This was an auto bill pay issue and a glitch in the system. I keep all my accounts on autopay for peace of mind. The bank recognized this and reported the payments late, I have since then have been trying to talk with the bank to ask them to kindly remove them because of an autopay error, but they will not. This has greatly effected not only my credit score but my credit worthiness to be able to obtain credit and achieve the American dream on being able to own a home.