23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've called several times as to a copy of the original document with my signature on it. This should be removed immediately.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts 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  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGE OFF ACCOUNT WITH A BALANCE DUE. PLEASE PROVIDE PROOF OF THE CHARGE OFF AND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THIS ACCOUNTXXXX XXXX XXXX  NEED TO BE REMOVED ASAP! Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have constantly month after month to provide me the original contract with signature, a copy of payment history, and proof of debt authorization this debt isn't validate I have yet to receive all of this information.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

I previously requested to dispute a bankruptcy that was reporting on my XXXX, Equifax and XXXX Credit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my XXXX consumer profile only to learn that they were the one 's who misreported the public record. XXXX was the furnisher of this item and has since deleted it from my profile. The letter that XXXX submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. XXXX failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from XXXX confirming deletion! I have also contacted emailed XXXX to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!
Product: Checking or savings account

Well it was a while back. I ended up closing my accounts. 
It was to much drama trying to pay bills and get to my money! 
I do have two cd accounts open from an accident for both of my sons. 
They are about to receive them this year in a few months. 
I was also wondering if I could ask about my dad had an checking and savings account through them for 10 to 15 years but he dead XXXX years ago! 
I know he had many issues with them. 
I kept telling him to switch banks but he didn't listen. 
Thank you for hearing me out. 

XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Transunion, Experian and Equifax are stating that they verified a bankruptcy through the court. The court sent me a letter advising they did not share this information with the bureau
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax in regards to unauthorized hard inquires on my credit report and I have either heard nothing back or nothing was done. I am tired of having the run around. I would just like to have the unauthorized hard inquires removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX & XXXX XXXX Balance : {$850.00}
Product: Checking or savings account

on XX/XX/XXXX I mailed a check made payable to XXXX XXXX XXXX XXXX Collector in the amount of {$3800.00}. When I notice the check had not cleared my account I got worried that my taxes were not going to be paid on time so on XX/XX/XXXX I paid the property taxes online. On XX/XX/XXXX I checked my account and saw the check I wrote back on XX/XX/XXXX had cleared my account along with the electronic payment. I sent XXXX XXXX XXXX XXXX Collector an email asking them to please credit my XXXX installment of taxes since I paid twice ( by check and electronically ). I called XXXX XXXX XXXX XXXX XXXXr on XX/XX/XXXX and the person I spoke to said the only payment they received was the electronic payment. I said how is that possible, my account shows the check I mailed to you was cashed. He asked me if the back of the check had a stamp with XXXX XXXX XXXX Collector. He said if it did not then fraud had been committed and to contact my bank. I immediately contacted Wells Fargo and they filed a fraud claim. They closed out my old account and gave me a new one. On XX/XX/XXXX I walked into the Wells Fargo XXXX and ask what was going on with my fraud case and they said a fraud form had been mailed out to me which I never received. I ended up going into the closest Wells Fargo branch to fill out the fraud form which they needed to contact the Fraud Department for the form. I was told by Wells Fargo XXXX XXXX  XXXX XXXX negotiated the item and on the back of the check was signed by some XXXX XXXX. Wells Fargo has told me that XXXX  XXXX XXXX has up to 120 days to reply to my claim. It is now 84 days since I reported the fraud and I still do not have MY money back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon calling I informed them that the account is someone elses so they would not send any documents and said they dont have any. Plus the original debt appears to be over seven years old and I dont have a XXXX XXXX card which is the original creditor and now this is a debt collector
Product: Debt collection

This company contacted another company to collect a debt. 

The debt was never owed ; I contacted the " original '' creditor. They never submitted this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter disputing an account on my credit reporting that is reporting a late payment, but I was never late. You are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. The account is XXXX XXXX XXXX. It's been almost 3 months and I have yet to receive anything proving that this late payment is accurate. I am asking for this account to be updated to paid as agreed, never late Y
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  wrongly accused me to obtained XXXX visa credit card. when I dispute with XXXX XXXX XXXX XXXX  failed to provide any proof and evidence so XXXX XXXX XXXX XXXX and their Law firm XXXX XXXX XXXX XXXX XXXX send apology to me. Please see Exhibit " A ''. 
XXXX XXXX XXXX have violated Federal laws, Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ) Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA. Consumer protection afforded by the FCRA FCRA Section XXXX ( c ) Running of the reporting period {$1000.00} per event.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following accounts as the last payments on these accounts were made more than XXXX XXXX XXXX XXXX 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 HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of heaven and I do not give permission to any company to speak, embezzle or coerce any debts.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent credit inquiries from my consumer report. 

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX3. XXXX XXXX XXXX  XXXX XX/XX/XXXX4. XXXX ( Bank ) XX/XX/XXXX
Product: Debt collection

I have asked numerous times for this company to show proof that this is my debt and still have yet to receive it.     I have never been to the location listed. Until they can show the originally paperwork with my signature or ID or anything they need to remove it from my credit as it is causing me issues and it is not mine. I am so tired of asking and disputing for them to prove this before just throwing it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DP OF EDUC XXXX Balance : {$13000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$4800.00} DP OF EDUC XXXX Balance : {$22000.00} XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX Date of Inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My husband was in an accident on XXXX XXXX of XXXX. 
We filed a claim with our insurance company XXXX. 
The car was deemed a total loss and they sent a payment to Us. But due to a glitch in their system a payment for the loan was not made to Westlake financial services. 
Us not knowing This happened, on XX/XX/XXXX I received A credit alert that my score had dropped dramatically dew to a delinquent account. 
I checked to see what this account was, contacted XXXX  and they went back discovered THEY had never sent out payment for vehicle that they deemed total loss. 
I have a letter from The claims manager stating that this was indeed on their fault, and Westlake financial would not hear it.

I would like to try and get my credit score back because this is 100 % the fault of XXXX  insurance, and without this being fixed it can cause further damage to myself in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions.

I havent given these accounts permission to furnish these accounts on my report.

15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX CONVERGENT OUTSOURCING, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.
Product: Debt collection

I am writing to dispute the validity of a collection account appearing on my credit reports. According to my TransUnion and XXXX credit reports, there is a collection account listed with the following details : Account Type : Charge Card Account Status : Indeterminate Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never held a charge card account with XXXX, and I dispute the validity of this account. 
Lack of Documentation : I have not received any communication or documentation regarding this alleged debt. Therefore, I am requesting that you provide detailed documentation validating the existence of this debt, including the original creditor 's name, the amount owed, and any relevant account statements. 
Indeterminate Account Status : The account status is listed as " Indeterminate, '' which raises questions about the accuracy and validity of this entry on my credit reports. I request clarification regarding the status of this account. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I request that this collection account be removed from my credit reports.
Product: Checking or savings account

Around XXXX Chase Bank closed my account because I deposited my sons fathers stimulus check into my account. With his approval and written letter from him just like they instructed me too. I have power of attorney over him, he is currently incarcerated so he was unable to cash it. The check has my address on it which is the same on my license and we have a child together. I went to several chase banks and worked with the managers they sent corporate all the papers they asked me for I cooperated with everything they wanted and they kept my XXXX $ that was in my bank account and closed it. Ive been dealing with this since XXXX and I have called and went to the branches for 6 months and still no help and the same run around. Everytime I call. Im put on hold for 30 mins and then they hang up on me. I dont understand why they have made this so complicated. I am a single mom of XXXX and I was impacted by covid pretty bad so them closing my account and keeping my money really hurt me and my kids. I just want this fixed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And I am filing this complaint because I have notice several inaccurate reporting accounts and inquiries on my report. I did not give authorization for these reportings for they are 100 percent inaccurate. Please remove them immediately. And no this is not a third party filing this for me.
Product: Debt collection

This company is trying to collect on a debt for XXXX that is not mine. I have never had a XXXX account. I asked for validation of debt and all I received was a bill. Where is the proof I signed for this account. I have never lived at the address they had listed. I would like proof of this debt like paper work with my signature showing this is a valid debt. It is negatively affecting my credit and I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 4, 5, 6, 7 and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have tried to obtain credit from two different banks which have both provided adverse action letters stating that a security freeze is blocking my request. 

With that said, the lenders both referenced Experian for the credit score, which would indicated Experian is providing erroneous information as I DO NOT have a block on my account. 

I did place a security freeze after an issue in XXXX, but that has expired as of XX/XX/XXXX. I also personally removed that freeze and nothing shows on my account. 

The issue resides in the fact that Experian will NOT TAKE A PHONE CALL. At this time, my credit is locked, and the agency causing the issue will not take action because " they can not place me with a representative at this time '' ( per their automated system ). I have tried to call three times today, same response. I have also contacted the CFBP today and was given a number for Experian that was not the same in form, but landed me with the same automated system responses.