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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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
Product: Debt collection

Lender : SOURCE RECEIVABLES MNG Account number : XXXX... 
Date status reported : XX/XX/year>XXXX  This debt was originally reported by XXXX XXXX on my XXXX report and was deleted because its identity theft and not mines. 
Now its being reported by this company who purchased the debt. This entry on my credit report has caused mental anguish as my credit score has dropped significantly which caused financial stress. I understand my right under the FCRA rules and if this isn't rectified immediately, I will pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to make sure my credit report is still frozen with Experian. I tried to log into my account with them at XXXX XXXX XXXX and was unable to access my account. The first time I tried I got a screen that asked me to call a number. I did that and the only option given to me when I selected the prompt for issues accessing my account was to get an email from them with a link. I received that email, clicked the link, tried to log in again and got the same message asking me to call. When I called again I was stuck in the same loop of an automated message that provided no help at all. When I requested to speak to an agent the system refused to connect me. 

I then went in and tried to create an account rather than logging in and was told I could not because the email address was already in use, which confirmed that I do in fact already have an account. 

So then I attempted to reset my password which I did successfully but then upon logging in I received the same message telling me that I needed to call with the same number that does not allow me get the help I need. Screenshot below of this message. 



I then tried the " Sign in a different way '' link, as shown in the screenshot below. 



This prompted me for my phone number and last 4 digits of my SSN which brought me to the screen below. 


I selected the Text Me option but no text with the code ever came through. I tried requesting the code again and still no text from you. 

I am totally stuck and locked out of my account. The 800 number provided was absolutely no help.

I also tried to send an email to a customer service email I found on their website and received an auto reply back saying that they were not going to check the mailbox after XXXX of this year and directed me to the same 800 and FAQs that have already proven to be no help at all. 

I am completely stuck and do not know if my account is still Frozen or not. I am also unable to request my free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through inadequate data protections, Equifax, has allowed mine and millions of others very personal identity data to be leaked. ( Their own site acknowledges that my personal data was likely included in the breach. ) While the breach itself should be investigated and prosecuted. Equifax should bare extraordinary responsibility and fault in this breach, as I as a consumer have no choice in protecting my data from Equifax and other credit agencies themselves, should I wish to participate in the modern economy. 

To make matters more egregious, their recourse is to provide me with a credit monitoring service, which i myself must manually engage, and maintain. And yet still this will not protect my credit and identity. It will simply alert me once the a problem has happen. To do this would, i would need to at minimum freeze my credit, which I must purchase, at my own expense.
Product: Credit reporting or other personal consumer reports

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. 
THESE COMPANIES ARE : XXXX XXXX XXXX XXXX XXXX BALANCE {$830.00} With no payment history, & XXXX XXXX balance {$680.00}
Product: Credit card or prepaid card

XX/XX/2020 Received a U.S. Bank Reliacard through the mail for absolutely no reason just showed up. When I tried to reach a customer service agent, I was required to activate a card that I did not apply for. Once the card was activated, I waited on hold for 1 hour and 17 minutes before a customer service representative picked up the phone. Once the phone was answered, the gentleman asked for the card number and what the problem was. I provided the first 4 digits and the agent hung up on me. So I called back and went into the hold sequence again, this time waiting for 57 minutes. Customer service agent picked up the phone and asked how can they assist me. I stated that I received a card in the mail that I did not sign up for and wanted it closed / cancelled. The agent asked for the card number, I stated the last time I provided this information, the agent stated she was sorry and will take care of it right away. I provided the card number and she repeated this back to me, then hung up the phone. The card has been cut into pieces and will be mailed back to the return address.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they XXXX be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Back in XXXX I signed a lease with my former roommate, I did not renew the lease when the lease term agreement was up, however she stayed in the apartment and later transferred to a different unit. During the pandemic she lost her job and broke her lease with her name only on it to my knowledge I moved 3 times since then. As of recently I noticed an item in collections as of XXXX in the amount of {$1100.00}. I was unable to contact the apartments as the numbers found on their website is out of service. Ive contacted the collection agency as well as sent an e-mail provided by the representative that assured me there was a mistake on their end to have this item removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my free annual Equifax credit report request was delivered to the following by Certified mail XXXX XXXX XXXX : XXXX. 

Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have not received my Equifax credit report in the 3 months since my request was delivered. 

Last year ( XXXX XXXX, the SAME THING happened and I never received my Equifax report that I requested last year. 

XXXX XXXX XXXX, my XXXX XXXX, sent her request for her free annual Equifax credit report. She also did NOT receive her Equifax report. It was sent by Certified mail XXXX XXXX XXXX : XXXX. Her SSN ends in XXXX.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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

I have been trying for weeks to login into EQUIFAX disputes online via there website and my EQUIFAX account with no success I always get a system down message. I am a paying member of Equifax credit watch and am very annoyed I can not access my credit report!!! I have tried calling in and speaking to someone to fix this issue with no success.
Product: Debt collection

Data exposed in recent data breach resulting in accounts that are not mine being reported. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gone into the Chase branch in XXXX XXXX NY on XX/XX/XXXX. To apply for opening mortgages for six properties in XXXX PA. XXXX XXXX was the mortgage broker I dealt with as well as his branch manager XXXX XXXX and XXXX XXXX ( it had to be escalated to the VP of XXXX XXXX ). He informed me that after he has all my information and paperwork required, he would run my credit. I said he may only run my credit ONCE. He made two hard inquiries on my credit, one with my knowledge on XX/XX/XXXX and the other without my knowledge on XX/XX/XXXX. All within almost a 30-day period. I had then received 5 commitment letters from XXXX XXXX and the loan processing office in Ohio, on XX/XX/XXXX. Which I signed all 5 letters and sent them back, that day. For some unknown reason, which XXXX XXXX did n't inform me, until the closing of the 4 properties. He stated, '' Lets close on these 4 properties, then we will close on the last one after ''. I asked why and he said, " It makes things easier ''. I complied with his 30 years of experience, he had made a point to tell me in the beginning of the process on XX/XX/XXXX. We only closed on 4 properties which took 5 months to close on. He never reached out to me to close on the 5 properties. I had to escalate it to the VP XXXX XXXX. I tried to explain to XXXX, the situation and sent him an email of my signed commitment letter. We had a few correspondences and he not to worry, we have your credit report on file for 120 days. XXXX got back to me on XX/XX/XXXX, telling me there is nothing he can do, the commitment letter has expired and they must redo my application over. I had him send me that in an email. I have not gone through with the application process again. I do not want to run my credit for the third time. I lost that property too. I have all supporting documents to support what I mentioned today.
Product: Checking or savings account

It would have been my preference to share this story directly with NFCU 's XXXX XXXX, however, they do not publish contact information for that committee and customer service declines to share it with me. 

I have had issues with payments to my XXXX XXXX from XXXX XXXX being delivered late by NFCU 's bill payment vendor, XXXX. When scheduled, those payments indicate electronic delivery. For reasons nobody at NFCU, XXXX XXXX, or XXXX can explain, approximately five days prior to the date I schedule, the payment is converted to a check and sent via XXXX. 

These conversions have caused my last two payments to arrive late, which has cost me hundreds of dollars in finance charges I would not have otherwise paid, and subjected my XXXX XXXX account to other adverse action. NFCU disclaimers ownership of this problem and sends me to XXXX. XXXX is aggressively unhelpful, they can not tell me why the payments are converted, and they refuse to do make me whole on the finance charges I have paid. They cap their damages at {$50.00} and my losses ( direct and indirect ) are greater than that. 

In addition, when the payment is converted, I receive an e-mail saying the funds can be withdrawn from my account prior to the date I originally authorized. I believe this is a probable Regulation E violation, to pull money from a consumer 's account earlier than they authorize, but I can not find anyone at NFCU willing to listen to this concern much less act on it. I am willing to share these e-mails with XXXX and CFPB if that is helpful. 

Most of these issues are with XXXX, my complaint here regarding NFCU is that they are unwilling to meaningfully help with an issue that is directly attributable to a vendor they selected. I did not select XXXX, they did, and I'm not XXXX 's customer, NFCU is. In my only prior occasion where I had issue with a bill payment vendor my financial institution at the time handled it for me, they did not pass the buck to the outside vendor. 

NFCU is further unwilling to provide me with contact information for the XXXX XXXX, with whom I would like to share this story, including the possible Regulation E violations, in hopes that they could address them at a higher level with XXXX and failing success from that find another bill payment vendor for the XXXX XXXX 's membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with TRANS UNION to remove an unauthorized Inquiry they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I already raised concern about the collection record on my account for XXXX XXXX. My concern is if I did not get any call for any debt how would I pay it. I did not even know about the amount for XXXX XXXX Hospital and one day suddenly I saw debt collection in my account which is not valid. Also I want Americollect to remove that collection record from my account. They can not add collection record without even informing customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent item being placed upon my credit report from XXXX/XXXX   that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, Equifax and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, Equifax and XXXX  under Section 609 FCRA.
Product: Debt collection

VALIDATION AND CEASE AND DESIST I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.
Product: Credit reporting or other personal consumer reports

CFPB, I've received XXXX stall letters from Equifax about my complaints.
Product: Debt collection

Last week I was contacted by a debt collection agency by the name of  XXXX   XXXX   XXXX ,  XXXX  and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.
Product: Mortgage

Royal United Mortgage contacted me ( by phone ) and we discussed a Re-fi with cash out on a home that is in my name, but my son lives there and make the pymts. I explained I wanted his name along with mine on the new mortgage, so I was told 'no problem ' .After taking my personal info. and asked to forward my income tax for 2 yrs., I can no longer make contact with XXXX , assit.AVP of Lending XXXX w/Royal United Mortg . Does not return calls, plus I have found that it is not even possible for that type of loan to be done in Texas. So I am not sure what damage I have endured as yet, I know she has a lot of my personal info.
Product: Debt collection

Contacted me from a bogus company wanting the same debt amount as two other companies.
Product: Credit reporting or other personal consumer reports

bureau reported infortmation as late months after loan was paid off also furnished the information without my consent.

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXXXXXX XXXX, Account Number XXXX XX/XX/2023 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX