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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX {$1700.00} XXXX  XXXX {$720.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$170.00} XXXX  XXXX {$670.00}
Product: Credit reporting or other personal consumer reports

It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.
Product: Debt collection

Paid this debt in XXXX. Several disputed through XXXX and still not resolved. FALSE reporting to the credit Bureaus. As of TODAY It says it is still OWED AFTER is was paid in XXXX Several attempts called to Nissan and was told there was NO telephone number to talk to anyone in " that department ''. This can hurt my XXXX XXXX in the XXXX XXXX and this needs fixed. Please REMOVE this from my credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I have been receiving harassing calls from North American Credit Services for a debt that is not mine nor do I know the person they are calling for which I have explained many times to many different employees of the company. They are wanting to speak to a XXXX XXXX ( XXXX reference number ) and these calls have been ongoing for a period of 2+ yrs now almost monthly or bi-monthly. I have this phone number for about 4 years now and don't know or have any connection to a XXXX XXXX. I have called North American Credit Services back and spoke to a supervisor ( XXXX XXXX @ ext # XXXX ) who apologized and assured me she would remove my number from their system but I continue to receive these calls constantly. I explained several times they have the wrong phone number and after receiving messages from them I have contacted them back and explained there is no XXXX XXXX connected to our phone number!! I need to know how to get this company to stop harassing me for something that is totally unrelated to me. Our number is a landline ( we don't use any cell phones ) and I don't want to change our number and begin remembering a new number. Your help would be greatly appreciated. Thanks, XXXX
Product: Debt collection

I have not supplied proof the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 crimes which antedates the report by more than seven years.

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, credit repair services, or other personal consumer reports

One XX/XX/XXXX when signing the original loan documents papers with XXXX XXXX. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called Transunion but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to XXXX XXXX disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with XXXX XXXX was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.
Product: Credit card

I completed a balance transfer application for XXXX Chase Visa through XXXX XXXX  XXXX. The fine print advised there was no guarantee of approval for the transfer or amount requested. Within a couple of days, the card showed up on my chase app. There was no email or account notification of the balance transfer in process. The XXXX account did not have an alert. I checked on several days. Believing i was only approved for the credit card which showed {$0.00} due, I reviewed what balance transfer offers were available. My XXXX Chase Visa  offered a balance transfer at a 1.99 %. Still a good rate I applied. The XXXX Chase account processed a {$12000.00} balance transfer on XXXX. Today I see the XXXX Chase card processed a balance transfer with no communication or alerts. Now I have 2 balance transfer fees. I called Chase Visa. They advised there was nothing they could do. I requested to speak to a manager and was told it was my fault and should have assumed the XXXX Chase card would transfer the balance. It did not matter if communication was not provided. The man refused to listen to me and hung up on me. I called XXXX for the XXXX Chase card. They assisted with the XXXX card as well. They are somehow tied together.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found accounts that i didn't recognize so i disputed them and they came back verified and accurate with no documentation provided that actually says the accounts are mines. My information was actually involved in a data breach and i filled out a ftc report due to the fraudulent accounts and inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which i will attach here. This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Product: Debt collection

XX/XX/2017 I called to the office the lady stated I owe a balance and I need to pay before she sue my XXXX she stated I will be homeless and will not be able to rent anywhere else .I stated I lost my job she said so what that 's not her problem and stated I do not get people like you .I stated I 'm trying .I called the apartment development to talk to the lady XXXX XXXX and she told me its nothing she can do because its already with collections you need to talk to them .I told her I did and national credit audit was rude. XXXX XXXX Said its nothing she can do.so its a collection of {$10000.00} on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian Information Solutions IncXXXX 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 an account without written instructions. 

The following information is incorrect : 1. XXXX XXXX XXXX, XXXXXXXX MI. XXXXXXXX The following information is incorrect : 2. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SD XXXXXXXX The following information is incorrect : 3. XXXX XXXX ( Employer ) XXXX has removed has this false information ( addresses ) XXXXXXXX XXXX XXXX XXXX  has removed this false information ( addresses and employer )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly update the accompanying records as they are false and were opened without my assent or information.
Product: Checking or savings account

Close account at band law customer will not willing to assist in paying the remainder out so I may keep my account has affected my credit greatly
Product: Credit reporting or other personal consumer reports

Contemporary information Corp is reporting incorrect information on the consumer file they have populated for me. There is a civil record that is incorrect. I have disputed this information and it still remains. I am giving CIC 7 days to produce the records used to verify the information or I will being pursuing legal action. You will be responsible for all legal fees incurred for pursuing this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Kansas XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Product: Credit reporting or other personal consumer reports

Has not honored their own words to terminate their collections and remove all entries to my credit report, that they said was not reporting, even though they are.
Product: Credit card

I have been issued the VISA Platinum level credit card by CITI bank a few years ago. I have been currently out of the country since XX/XX/XXXX and Citibank/credit card was informed about it. Unfortunately, without informing me or without any advance notice, the card has been blocked and I am unable to use the card while travelling, which causes a lot of problems for me. There is no reason for blocking my card and funds on the above card. I called the bank four times on XX/XX/XXXX. The first representative informed me that the bank is changing cards ( from VISA to Masercard ) and that I would be receiving a new card " soon ''. I was also informed that I could still use the old card for 75 days. The bank employee confirmed, that if I tranferred my money to the old card I would be able to use it. I did that. Unfortunately, my card and my funds are still blocked by Citibank. I called Citibank again after my card was declined during attempt to pay a bill. I was informed that due to weekend my funds would be available on the next business day, that supposed to be Monday ( XX/XX/XXXX ). I waited. Unfortunately, the card was declined on that day as well. I called the bank immiedietly after that ( again a few times as no one was answering the call after I was prompted to enter my card number and Social security number ). Finally I was connected and asked to speak with a suprevisor. In a pleasant conversation, the supervisor assuered me that I would be able to use the card after midnight, meaning on Tuesday ( XX/XX/XXXX ). I have just tried to use the card today ( XX/XX/XXXX ) however the situation continues, and the card is blocked by Citibank without my posibility of paying the essential bills including, but not limited to buying a plane ticket. The situation is outragous with the bank being fully aware of my travels abroad, sending some cards somewhere ( certainly not to me ) and blocking my old card preventing me form using it while travelling abroad and having limited access to any funds or banks. Moreover, on XX/XX/XXXX, I received a call from Citibank employee telling me that my credit card bill is overdue and I am over the limit on the card, which is clearly not the truth as showed in the attached screen photo of my Citibank credit card webpage as of XX/XX/XXXX.
Product: Debt collection

on XX/XX/year> I mailed a debt validation letter to jefferson capital requestion that they send me the original contract that i sign from the original creditor ; proof of the debt assignment ; a payment history from the original creditor. next I did not sign any contract with this debt collector who i no nothing about and they have my personal information.they are reporting this inaccurate information to the three credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear Avant Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX
Product: Student loan

I filed a XXXX XXXX XXXX  in 2014 and it was XXXX in XX/XX/year> case number XXXX. I contacted US Department of Education and sent them copies per email and mail. They still took my federal income taxes afterwards and have not removed this from my credit report. The company is still contacting me regarding the XXXX loans stating I was supposed to file a different Bankruptcy. It's noted in my discharg summary and I'm asking the company to refund my money, remove from credit report, take it out of default, and stop harassing me for more funds.
Product: Credit reporting or other personal consumer reports

Hello, the complaint filed on XX/XX/year> via CFPB with Experian took longer than 30 days to be resolved. I am requesting to have the bankruptcy deleted from my credit report as the company, Experian failed to provide the method of Verification. I contacted both the US Bankruptcy court and XXXX XXXX both claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA MUST REMOVE OR CORRECT INACCURATE OR UNVERIFIED INFORMATION FROM ITS FILES, USUALLY WITHIN 30 DAYS under 15 USC Sec 16811i ( a ) I have enclosed their letter for your inspection. Please DELETE this item from my credit report as it is NOT verified.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.
Product: Debt collection

Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number.
Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint.
I have no contract with Seterus.
They are lying through their teeth.
Product: Debt collection

Received a letter from this company collecting on a debt that I requested validation on. Also they are attempting to collect the incorrect amount owed.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was surprised to see some incorrect accounts listed, without knowing why they appeared. I regularly monitor my report, but this time there were unexpected discrepancies. I tried refreshing the page to see if it was just a minor issue, but the inaccurate accounts were still there. As a result, I am asking for a detailed review of the documents Ive provided to prevent future concerns.
Product: Student loan

After the XXXX transfer to XXXX, attempted to gain access to my account with the use of my SSN. Their website said that they did not have my SSN on file, regardless that I have a loan with them. Attempted to call every phone number they had online, but in order to do so I needed to input my SSN, which they apparently did not have on record. Also attempted to contact them through the site, but they STILL needed my SSN. With the way the present site is set up, there is no way I can even get ahold of customer service ( i.e. and actual person ) to help me with the issue.
Product: Credit card

The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.