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

I am a living human being, I have rights under 15 USC 1681.Equifax is governed by 15 USC 1681 and they violated my rights numerous times I demand that the account listed below be removed ( XXXX XXXX XXXX XXXX XXXX  ) .According to 15 USC 1681 I have the right to privacy and did not give XXXX permission to furnish these accounts thereby inhibiting my afforded fair credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. Below are the details of the disputed accounts : XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$3600.00} This account violates 15 U.S.C . 1681i ( 7 ). It was reported without valid evidence of its accuracy. Please provide a method of verification or remove it immediately. As a victim of identity theft, I have included my police report for reference. 
XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I have not received any valid documentation, including a statement or loan agreement, from this company. This account is fraudulent. Please remove it. 
XXXX Account Number : XXXX XXXX : {$23000.00} No valid documentation has been provided for this account. It is not mine, and I have included a police report. Please remove it immediately. 
XXXX XXXX XXXX  Account Number : XXXX Balance : {$1100.00} Under Section 623, this account is inaccurately reported, as the creditor did not provide a valid address for verification. Please investigate and remove it as it does not belong to me. 
XXXX XXXX Account Number : XXXX Credit Limit : {$600.00} The payments for XXXX XXXX to XXXX XXXX  were always made on time. Under 15 U.S.C. 1666B, this account is a billing error. Please update the status to PAID AS AGREED/NEVER LATE. 
I have included the following documents to support my dispute : 1.

Police Report 2.

FTC Identity Theft Report 3.

ID 4.

SSN 5.

Proof of Address Any additional documentation Please investigate these matters and respond to me in writing within 30 days. 
Thank you for your prompt attention to these issues.
Product: Debt collection

I was force to pay the whole amount of debt. I lost my job im chronically ill i can not afford to pay the whole amount
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following listed creditors listed below have 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/2023 Amount : {$1600.00}
Product: Debt collection

Received a collection letter from BYL services on XX/XX/XXXX which is dated XX/XX/XXXX. This company has sent me a letter which I already have accounts open with XXXX XXXX with monthly payments of XXXX XXXX dollars. I have two accounts with them and have been paying them and have not been notified of any delinquency on any of my accounts. The account number referenced from XXXX XXXX has not sent me any statements my file show no statements sent since XX/XX/XXXX. I submit my payment when I receive my statement. I getting a collection letter. Today is XX/XX/XXXX and I usually obtain my statemen because it is due by XX/XX/XXXX and the current bill is due by XX/XX/XXXX no statements have been recived for either bill all month long. Something fraudulent going on???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX submitted several certified letters to XXXX, Equifax and XXXX to erase all my old address, telephone numbers and old address. They also submitted several certified letters to dispute charge off and inaccurate reports what is left on my credit.
Product: Debt collection

I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?
Product: Checking or savings account

I have a Saving Account in Marcus.com. I referred a friend according to the following information.

" Whether you refer a friend to Marcus, or youre referred to Marcus, you both enjoy : 1.00 % promotional rate increase on your Online Savings Accounts for 3 months ( on top of our high-yield rate ) Open an account in minutes with no fees and no minimum deposit The opportunity to earn more promotional rate increases by referring more friends '' My referred friend opened his account using my link but I have not received my 1 % promotional rate increase and what the bank said to me is that he is the one who has to claim. He did it but he did not receive ( apparently there are only 3 days to claim after the account is open ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to request the removal of the following incorrect addresses from my consumer report. These entries are inaccurate and do not pertain to me : Subject : Request to Remove Incorrect Names and Addresses and Update Correct Name and Address on Consumer Report I am writing to request the removal of the following incorrect names and addresses from my consumer report and to update my correct name and address. The incorrect entries are as follows : Incorrect Names : XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX PAGE 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. PAGE XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX Incorrect Addresses : XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Correct name and address is XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you investigate these inaccuracies and promptly remove the incorrect addresses and name 's from my consumer report. Please ensure that only accurate and up-to-date information is reflected in your records. 

Thank you for your attention to this matter. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information.
Product: Credit reporting or other personal consumer reports

So Experian continues to violate all FCRA rules, they want to make there own rules when it come to my rights, I have a bankruptcy on my Experian report that is % XXXX incorrect but they still choose to report it as so. XXXX and XXXX have reviewed my request and have removed and updated my report with no problem, But Experian wants to make its on rules and keep Violating my consumer rights, well this needs to stop and get resolved ASAP.
Product: Credit card

I am requesting all billing statements from the time the account was opened until it was closed for a home depot card that was recently closed by Citi around XXXX XXXX and a letter explaining why and when the account was closed.
Product: Credit reporting or other personal consumer reports

I am filling this Identity Theft Affliadaviate to report 5 fradulant accounts on my FICO Credit Report. The accounts are as follows 1. ) RENT DEBT with a balance of XXXX XXXX. ) XXXX XXXX with a balance of XXXX XXXX. ) XXXX XXXX with a balance of XXXX XXXX. ) Americollect Inc with a balance of XXXX XXXX. ) Americollect with the balance of XXXX. 

These accounts resulted in fradulant inquires collections under FCRA Law 605b
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to formally dispute inaccurate information listed on my credit report, in accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681. I did not authorize the reporting or release of my personal information to the companies listed below. This constitutes a violation of my consumer rights to privacy, as these entities have no legal basis to report any information under my name.

Additionally, there are unauthorized inquiries on my credit report that I did not initiate, which suggests a case of identity theft. Pursuant to 18 U.S.C. 1028, I affirm that I do not owe any debt to these entities. I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please investigate this matter promptly and confirm in writing the removal of the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; CXXXX XXXX XXXX  Date opened : XXXX XXXX XXXX  Balance : {$95.00}.
Product: Debt collection

A paper was left in door in XX/XX/XXXX regarding a judgement dated XX/XX/XXXX and the paper indicated it would revive judgement. But I did not open any accounts and was not aware of any judgement. I was told by company that it did not matter because the judgement was already entered and that they could collect any amount listed plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has illegally reported a total count of 4 late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Debt collection

XX/XX/XXXX, I had a vehicle repossessed because I could no longer afford it. This was a voluntary repo. I only received a letter from the original creditor, XXXX XXXX XXXX, dated XX/XX/XXXX, that they " had my car and intended to sell it at a private auction. '' This was the last communication I received about this matter. Fast forward to XX/XX/XXXX, I received a call from my employer at the time that an unfriendly person was trying to find me, but they refused to say why, only that " it was personal. '' From what my employer said, this person was very aggressive and they had to ask him to leave. I contacted the police, fearing for my safety, and through several communication with law enforcement, I found out who the person was, and that he was a process server trying to serve me something. XX/XX/XXXX, I contacted the process server 's employer, XXXX XXXX XXXX, who told me they were hired by Sentry Credit and had no other information. I contacted Sentry Credit and  asked them what is going on. They only told me they had a debt in their office. They never contacted me prior to that conversation. I asked them to send me all documentation regarding the debt, including all letters that were supposedly sent, so I can verify the debt. Almost a month later I received a packet from them dated XX/XX/XXXX. No where in this packet was a letter about a debt in their office, or giving me the option to dispute the debt. XX/XX/XXXX, I received the paper they were trying to serve me, and it was a court summons for 20 days, dated XX/XX/XXXX, stating that they were suing me in court. I contacted sentry credit around XX/XX/XXXX or XXXX, and asked them why they were doing this, and they did not say. I attempted to ask them to give me a court date, but she only said that I didn't need to go. I offered to set up payment arrangements to stop this process, and she refused. both times I spoke with Sentry Credit, I spoke with XXXX XXXX. I do not know the name of the individual at XXXX XXXX XXXX.
Product: Credit card or prepaid card

Account was frozen due to " unusual activity '' and kicked into the fraud division. 
3rd time this has happened to me in the last 18 months. 
Each time I have to call in and identify myself thru the automated service line before being transfered to the Fraud dept people. 
This time they are having one live representative ask for three bits of personal data before they will " release '' the account. 
They refused to say what charge or activity is leading to these Frauds, nor will they allow me access to the account online to see what charges or payments have posted.
Product: Credit card or prepaid card

I am contacting the CFPB to report an Issue I am having with XXXX. Last XX/XX/2018 I faxed XXXX consumer credit specialist department A letter, reporting fraud and requesting that the fraud account XXXX be removed. Attached to the letter was a copy of my FTC ID theft report and police report. All these documents were faxed to XXXX XXXX  CCS department. I called XXXX last XX/XX/XXXX and confirmed that I sent my documents to the correct number but rep says they did not receive them. I would like to report this violation of XXXX. They blatantly violated FCRA 605B.  Attached to this complaint is a copy of the document sent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX  {$210.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under 15 U.S.C. 1681o Violation of Fair Credit Reporting Act i am writing to dispute information on my XXXX credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o. I have identified information on my credit file that I believe is inaccurate, and I request that XXXX conduct a thorough reinvestigation and correct the disputed entry as soon as possible. 

The specific issue I am disputing is as follows : XXXX XXXX XXXX acct # XXXX late payment during COVID Under 15 U.S.C. 1681i, XXXX is required to investigate disputes, correct any inaccuracies, and notify me of the results of the investigation. If this investigation is not conducted in a timely manner, or if XXXX fails to correct the error, I will be forced to take further action, including pursuing legal remedies under 15 U.S.C. 1681o for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Product: Debt collection

While checking my credit reports on XX/XX/year> I noticed a collection on my XXXX credit report ; I have no idea who this collection agency is. I have never been notified by this company of the outstanding debt they are alleging I owe. I have received no phone calls, no emails, no letters ; I just have a collection on my credit report. 

The company is Cedar Business Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX. They identify themselves as a Collection Agency/Attorney, collecting an outstanding balance for the original creditor, XXXX XXXX , in the amount of {$350.00}. It says the collection was opened on XX/XX/year>, and it appeared on my credit report on XX/XX/year>. I have no idea who these people are. 

I will dispute this information immediately with the credit bureau ( s ) as soon as I submit this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SBNASELFLNDR, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX Missouri identity theft fraud laws, particularly Missouri Revised Statutes Section 570.223 .

It has come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX XXXX Missouri identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223, underscore the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing harm to my creditworthiness and displaying a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SBNASELFLNDR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XX/XX/XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$1400.00} UNIVERSITY OF MISSIS XXXX Balance {$2100.00} DEPT OF ED/AIDVANTAGE XXXX Balance {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Payday loan, title loan, or personal loan

XXXX my main issue is insurances placed on loan and informed it is requirement to get the loan. Personal property insurance and life and XXXX. Also I noticed while at the office the lady when I paid my loan off went to the back room left the door open and threw my paid off file in a box with other closed paid off customers. My personal information as well as 100 's of others is not secured at all they are just sitting in boxes. I asked to use the bathroom and when I went back there where this box was there were dozens of boxes like this marked paid off with the month and year on them just sitting around. My credit app is in my file with my credit report. I asked why they dont secured them and the lady said this is how every Regional Finance office does it and there has never been a issue.
Product: Checking or savings account

On XX/XX/2018, someone gained access to my banking information and spent {$2200.00} from various checking accounts. We contacted Wells Fargo fraud department the day that the fraud occurred as I received several email alerts. in the following days, we met with the bank and thought we had the situation resolved as they provided a refund for the amount stolen. We went to the XXXX XXXX XXXX and attained a police report to document the fraud crime. In recent days, Wells Fargo decided to take back the refund and declared that we had insufficient evidence when we had already been through the steps to rectify the situation. We have done everything in our power to cooperate with Wells Fargo, but it seems that now they are refusing to honor the Fair Credit Billing Act and protect their customers.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX   account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt.

Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX   account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.