23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Permanent Deletion of Collection Item from All Credit Bureaus Dear CFPB, I am writing to formally request that a collection item, which has already been removed from my Experian credit report, be permanently deleted and not reappear in the future. I want to ensure that this item remains deleted and is not sold or transferred to another collection agency. 
Details of the Collection Item : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Collection : XX/XX/year> Basis for Request : 1. Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) : The FCRA mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. The deletion of this collection item from my Experian report strongly indicates that the information is inaccurate or unverifiable, and therefore, it should be similarly corrected or removed from my XXXX and XXXX reports. 
2. Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) : Despite my formal disputes with both XXXX and XXXX, they have not completed their reinvestigation within the statutory 30-day period required by law. The FCRA is clear that if an item can not be verified, it must be promptly deleted from the consumers credit report. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) : In accordance with the FDCPA, I requested validation of this debt from the collection agency. The agency has failed to provide sufficient and accurate evidence of the validity of this debt. Without proper validation, this debt should not be reported to any credit bureau.

4. Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The continued reporting of this item constitutes an unfair and deceptive practice under UDAAP provisions. The inconsistency of this item 's status across different credit reports is indicative of potentially deceptive reporting practices, which are detrimental to my creditworthiness and financial health. 
XXXX. Prohibition Against Reselling Debt ( FDCPA Section 805 ) : I also request that this debt not be sold to another collection agency. Such an action would not only perpetuate the inaccuracies but also violate the principles of fair debt collection practices. 
Enclosed with this letter is proof of the deletion of the collection item from my Experian report. This documentation should serve as evidence that the item has been deemed inaccurate or unverifiable and should, therefore, be removed from all other credit bureaus to ensure the accuracy and completeness of my credit profile. 

In light of the aforementioned points, I respectfully request the CFPB to intervene and mandate the permanent deletion of this collection item from my Experian report, ensuring it does not reappear in the future. This will ensure compliance with federal law and maintain the integrity of my credit profile. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and your confirmation of the actions taken. 

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

XXXX XXXX  opened this account during a purchase I made with XXXX for a phone near XX/XX/year>. 
I received no notice that the account was opened, I was given no account number, no due date no remit address not email, regular mail text or call about the account when it was due or how to pay it or where to send it. They made NO ATTEMPT to call me untill XXXX of 2024 when they already sent account to collections. 

How am I suppose to pay the account when I don't have anything that resembles a statement. XXXX phones has since dropped XXXX XXXX  as a credit vendor because of their issues. I tried to go through the internal dispute process with XXXX XXXX and they stated they would let me know of their decision within 30 days which they NEVER contacted me 30 days after my dispute by any means, just like they did when the account was opened. 

I have opened disputes also with XXXX, Experian and XXXX XXXX.
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 account 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
Product: Debt collection

XXXX XXXX send me to collection. I have a contract with them for 2 bottle of 5 gallons very two week. They send me a bill for delivery of 5 bottle that I never receive. I ask for document of delivery with my signature but they never provide it to me. The amount was {$140.00} Opened XXXX XXXX, 2016. 
Name of collection company XXXX phone number ( XXXX ) XXXX.
Product: Credit card

Hello. I did not authorize this transaction. Please delete from my credit record. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our landlord fraudulently placed a delinquent rent charge on mine and my husbands credit report. Fidelity Credit Corp placed the charge and will not call us back. We are extremely frustrated that someone can just place whatever they want on our credit. We have a court order to pay our rent to the court, and our landlord retaliated. He did threaten to do what he did if we paid the court, and I have all supporting documentation that we are up to date. Here is a link to our court case : XXXX XXXX XXXX XXXX I am happy to provide any further information needed
Product: Debt collection

Radius Global Solutions contacted me regarding an unsettled debt I have with XXXX XXXX XXXX. I asked them if they had a license to collect in New York State, they insisted they did. I asked them to provide proof, they directed me to their website XXXX XXXX XXXX. They instructed me to scroll down till I see the NMLS Consumer Access link XXXX XXXX XXXX XXXX Once I clicked the link, I typed their company name in to see if they were licensed to collect in New York State and the results showed me that they were not licensed to collect in New York StaXXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The XXXX Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Experian and XXXX are ignoring what you send to them now they changed account to a different I sent them as well as you documents proof this is paid .now Experian XXXX is causing me harm and damage and you aren't gon na do anything about well I'm going to the news attorney general and I have notified the same company that investigated credit concepts.its like your allowing these agencies to harm people .I 'm going to expose all three agency.since you are not helping and they are acting like they fixing things .the IRS has been notified and will be contacting all parties involved.XXXX  rep hung up on me when I asked for the everything on file application who they spoke to how they verified.so now I have to government enforcement involved.im done with these agency they keep discarding my certified mail. And if your not gon na help I will take this matter in to my hands .I have interview with the news and will present everything as to agencies all 3 and credit concepts.im getting discriminated because of fraudulent buissnness and fraudulent agencies.your affectingy life and my kids .and I had enough.so I will help the protection bureau since their not helping Getting this resolved I sent you legal IRS documents .and credit concepts has no proof of payment for loan. These agency won't provide their proof I have phone recordings of them saying they don't have to and email they sent all three they received police report and they refuse to block information.yall had a year now .cause this affecting my kids. Their gon na be criminally punished.fineds not enough .and their ignoring my invoices well I sent everything to IRS since they accepted the discharge. And all this has been filed on record
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information, and to date, I have not received a response. I am seeking your assistance in resolving this matter. 

Details of the inaccurate information and required corrections are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.
Product: Mortgage

We have a conventional loan, so legally the PMI should have come off when we had the loan paid down to 80 % by request, or 78 % automatically. This 78 % threshold was reached approximately three years ago, we are now down to approximately 60 % of the loan, the mortgage company ( PNC ) only stopped the PMI off last month after we called them about it. They are not repaying us for the extra PMI payments we have made over the last 3 years, they also appear to have misfiled our mortgage as a FHA loan in the fact that on our statements it shows up as MIP payment instead of PMI as it should say for a conventional loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, after looking over my Equifax consumer report I have noticed many inaccuracies with the account information that is being reported. The amount of errors I have discovered looks very suspicious and deceptive. I am concerned that multiple inaccuracies will run the risk of damaging my creditworthiness, my reputation, and my right to privacy. The following accounts have not been properly investigated, validated, or verified yet they continue to appear on my credit report. This is a notice of dispute and request for the re-investigation of the accounts listed below containing inaccurate information : ( 1 ) XXXX XXXX XXXX  is reporting inaccurate information. ( 2 ) XXXX XXXX is reporting inaccurate information. ( 3 ) XXXX XXXX XXXX XXXX is reporting inaccurate information. ( 4 ) XXXX XXXX XXXX XXXX  is reporting inaccurate information. It is my understanding that Equifax is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information, and my wife 's information, was reported by Equifax as part of a massive data breach in XXXX-XXXX of 2017.
Product: Bank account or service

I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter.
Product: Checking or savings account

I am unable to open a bank account no were in the world due to Bank of America old account I had And it was an old account and I call Bank of America Customer services as well as other numbers and as well as the fraud department and they told me that they would be able to to help me get these resolved and They have not and the bank refuse to wave and Old accounts Even doe I told them it was fraud check thats was sent to me in mail and was open and was charge from online fraud that was sent to me as a online for payment of work and I cashed the check threw my account and they didnt respect that I asked them for help dealing with these old accounts they refused to help it was other people at the bank was going to help but they couldnt help cause the bank Corporate refuse to help these accounts are more than two to six years old or more and it not letting me open a checking account in the world
Product: Money transfer, virtual currency, or money service

I was sent a deposit of {$3200.00} on XX/XX/XXXX. PayPal closed my account for no reason and made me wait 180 days to withdraw my available funds. It is now XX/XX/XXXX ( 181 Days ) AFTER the restriction and closing of my account, and now they are telling me I have to wait until XXXX to withdraw my available funds.
Product: Credit reporting or other personal consumer reports

I signed up for Experian 's XXXX over XXXX years ago and connected my payment banks infromation. However recently I received an email from Experian saying that 'My bill had been removed from XXXX '. When I called and finally got thru to a rep, the rep didn't really understand my question as to Why did this happen, and gave me the party line that 'when 3 consecutive payments have been made, it'll show up on XXXX. The issue is that I've been 'Bill Paying ' my rent thru my bank for XXXX years, yet Experian can't answer definitively as to why they took my rent payment off of XXXX?! The more bills you have connected to XXXX, increases your credit score. 

The rep gave me a XXXX XXXX XXXXXXXX and said a rep would be in touch with me. This was over 3 weeks ago and I've heard nothing via phone call, email, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : XXXX XXXX XXXXXXXX - {$3000.00} Capital one - {$6100.00} Capital one - {$8800.00} Capital one - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Product: Credit reporting or other personal consumer reports

My SSN has been used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX. XXXX XXXX  # XXXX : Opened : XX/XX/XXXX : {$2000.00} XXXX. XXXX XXXX  : Opened : XX/XX/XXXX : {$160.00} XXXX. XXXX XXXX : Opened : XX/XX/XXXX : {$970.00} XXXX. XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquiry from my consumer report no later than 4 business days after such information Ive provided. INQUIRY XXXX  ( Finace ) XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XXXX XX/XX/2022 Collection XXXX  # XXXX No Category XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate. 

US SM BUS ADMIN ODA made an unauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

: XXXX XXXX Dispute this Social Security Number : XXX - XX - XXXX Show Dispute this Date of Birth : XX/XX/XXXX Dispute this ADDRESS INFORMATION Current Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous Address XXXX FM XXXX XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this OTHER IDENTIFICATION No information available on file. 
OTHER NAMES Name : XXXX XXXX XXXX Dispute this Name : XXXX XXXX Dispute this EMPLOYMENT INFORMATION Last Reported Employment : XXXX   XXXX XXXX XXXX Dispute this Previous Employment : XXXX XXXX XXXX Dispute this Previous Employment : XXXX | XXXX Dispute this ALERTS names and address not mine inquires XXXX  XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX   XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  - XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this
Product: Credit reporting or other personal consumer reports

I wrote this company and disputed information that was reinserted by there company that was deleted from XXXX and XXXX and XXXX but this third party company never send any documents of how their company verify information that is being questioned and never replied in XXXX are just reply back to the person the information has been verified.i know for a fact it has to be operated by a company system because it never send any documents I requested like validation of the account with my name and address and signature on any documents and they never send a purchase agreement contract with my signature I feel I have my consumer rights violated and this company is breaking Federal law