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

I am writing to lodge a formal complaint and request the immediate removal of several fraudulent items that have been erroneously included on my credit report. These fraudulent items are causing severe harm to my creditworthiness and financial standing. The fraudulent items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have taken immediate action to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items with the credit bureaus, and filing a police report. I have also initiated a fraud alert to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you promptly investigate and rectify these fraudulent items on my credit report. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect swift action to remove these fraudulent items from my credit report. 

I also request that you notify the creditors associated with these fraudulent items, informing them of the fraudulent nature of the accounts and requesting their immediate removal from their records. Additionally, please take the necessary steps to prevent any further fraudulent information from being added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) XXXX fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. After reviewing my consumer report I have notice several instances and fraudulent inquiries. I respectfully ask if this items can be removed because they are either inaccurate and or fraudulent. Thank you.
Product: Debt collection

Nationwide Recovery Systems On a recent review of my credit report I noticed 1 collection amount in the amount of {$650.00} for a medical collection from  Nationwide Recovery Systems. 

On XX/XX/XXXX i sent a debt validation and hipaa authorization validation to the address listed on my credit reprt ( view attached image for address ) On XX/XX/XXXX the letter was refused.

Upon calling the number listed on my credit report on JXX/XX/XXXX the  representative informed me I have multiple accounts with them and that he would not send any validation, he also stated I had the wrong address though the one I have is listed on the collection. He would not give me the correct address and refused to update the account with the credit bureaus with the correct address. On the attachment below you can see only 1 account listed on my credit report so I do not believe the validity of any of these accounts he speaks of. 

He also refused to tell me all the accounts in a manner I could understand, he was speaking way too fast. He told me that they would be reporting all accounts to credit bureaus. I informed him that doing so without letting me validate or accepting my decision request could be a violation of the FDCPA, and the fair credit reporting act. He stated he didn't care, one way or another they'd get their money.
Product: Debt collection

Hello Harris and Harris has been texting my mother 's phone number weekly regarding my debts owed to the XXXX XXXX XXXX 
Phone Number ( XXXX ) They texted her on the following dates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Someone accessed my Coinbase account on Friday XX/XX/2021. He/she deposit XXXX to coinbase from my bank without my authorization. Following sells all my cryptocoins, and withdrawal {$8500.00} to third party account of XXXX XXXX XXXX with 4 last digit XXXX. 

Tried to contact Coinbase customer service by email/phone to prevent the withdrawal which will happen on Wednesday XX/XX/2021. Only get automatic respond.
Product: Mortgage

Us bank ruined my credit by kicking me when I was down in regard to my mortgage and destroyed my credit it score. Consumers beware, stay away from us bank. I communicated several times when I was out of work and hospitalized due to complications with covid. I had worked so hard on my credit. The last thing I wanted was to have my credit score affected. I was told my credit would not be affected and us bank would walk me through a repayment plan. Us bank reported me 120 days late. Ruined my credit. The thing I was most concerned about through my hardship happened. It really felt like a slap in the face to my efforts to communicate and prevent my credit from being damaged
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX  Equifax, and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact Experian. Please review the attached letter for XXXX and XXXX inquire.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

Ally financials used my credit in an improper way without my written permission. Ally financials obtained a credit validation application from XXXX dealership for the purposes of financing a XXXX XXXX XXXX. However, when properly reviewing the details of the application it states the applications was specific to XXXXXXXX XXXX XXXX no other entity 's. I have notified ally financial services of there wrongful actions to access my credit report and asked them to remove and to provide proof of the application signed by me with the permission for them to access my credit report. They are willingly refusing to provide me with this documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  account # XXXX, and Experian Ref # XXXX, and XXXX # XXXX, 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 a account without my written instructions.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number XXXX Account Name XXXX 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 has violated my rights. Or a 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

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

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name XXXX XXXX  account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed Student Loan Services. Then to XXXX/Dept of Ed Student Loan Service. XXXX, of each year, a deferment was applied for and awarded.
Product: Student loan

Joe Biden forgave my federal student loans for the XXXX XXXX but I am still paying the private loans for that school. I should not be paying those loans anymore because that school was fraudulent. Navient should have sent me an application for school misconduct discharge sent to my email but I have not received this.
Product: Debt collection

I was made aware I have 3 items in collections with the same company. This company has not contacted me via phone or letter. The only reason I was aware I had anything in collections was when I checked my credit report and noticed they are reporting it. This is the second time this has happened with this company. After noticing these items on my credit I then disputed them. My understanding is that under the fair debt collection practices act they are to send me a written debt validation notice with information about the debt they are trying to collect. It also must be sent within five days of the first contact. This company has never attempted to contact me. They have been made aware of this issue when I disputed it on my credit reports, yet I still have had zero contact from them. They are reporting a {$700.00} medical debt from XXXX XXXX. Collection  opened XX/XX/XXXX. 
{$850.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
{$480.00} medial debt from XXXX XXXX. Collection opened XX/XX/XXXX. 
Do to this happening with the same company for the same thing in the past this company is well aware of my phone number and address to make contact with me. This has in return caused a negative effect on my credit and could have been avoided had this company followed federal laws. If I was made aware I was in collections when they first opened these items I could have validated the debt and paid these items as to not cause my credit score to go down. Instead these have been reporting negatively on my credit for months without me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a late payment with Capital One. I contacted them on XXXX XXXX 2018 and has not been late.
Product: Debt collection

LTD Financial has been very aggressive in trying to increase my monthly payments. I have already paid over half of the {$19000.00} loan down, so am not trying to get out of what I owe. However as a single parent with other student loan payments I am doing the best I can and have explained that I can not pay more than I currently am. The company, specifically employee XXXX XXXX, continues to call me. She has been rude, curt and aggressive, telling me what I am able to afford is not enough. This is causing a significant amount of stress. Currently I pay {$270.00} a month but have been told that I now HAVE to pay {$370.00} a month. When I asked why this amount, I was not given a reason.
Product: Debt collection

This inconsistency raises serious concerns about the thoroughness and accuracy of your investigation process. As a consumer, I am entitled to a fair and uniform assessment of all fraudulent accounts on my credit report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is bewildering that your bureau would acknowledge the fraudulent nature of some accounts while neglecting to address others. 
XXXXXXXX XXXX XXXXXXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX -- PLEASE DELETE!!!! 
I demand an immediate and comprehensive review of all the fraudulent accounts associated with my credit profile. If certain accounts were deemed fraudulent and subsequently removed, it stands to reason that the same rationale should be applied to all such accounts. Please provide a detailed explanation for the selective removal of fraudulent accounts and clarify the criteria used to determine which accounts are considered fraudulent and which are not. Transparency in this matter is crucial to rebuilding my trust in the credit reporting system.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Request for Removal of Unverifiable Account Information Dear Credit Reporting Department, I am writing to formally request the removal of a Late payment from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a late payment from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable late payment from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable late payment from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. Sincerely, XXXX XXXX
Product: Debt collection

I continue to receive repeat calls from XXXX XXXX XXXX in regards to my current bill. When Im ONE day past the due date calls begin at XXXX and they call every hour until XXXX something before close. 8-9 calls a day every day. Monday- Sunday. I have asked repeatedly for the calls to stop especially on Saturday and Sunday. They have given specific account information to my domestic partner with knowledge that I was not present or available.
Product: Debt collection

XXXX had submitted a claim to my credit score but I'm out of believe {$2500.00} and they were removed off of my credit last year because it was teams not owed. Between XXXX employee benefits of {$250.00} early termination fee coverage for up to four lines plus we had the bill paid off. also around the same time that we went through bankruptcy so this would have also been included in bankruptcy if there was a balance left. I have attached the bankruptcy document with the list of creditors that were included. when XXXX was removed from my credit they went and turned around and submitted it to another collection agency without listing it as being through them and did not disclose that it was XXXX. I tried repeatedly to get those taken off my credit and claimed that it was on bankruptcy documents and it still has not been removed.
Product: Checking or savings account

I tried to open an account with Truist and she stated I had a charge off account from years ago and Ive never been with them at all. This is identity theft and fraud.They were not able to give me information about the account but my name and social is associated with it and this is preventing me from opening account with them which needs to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

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

This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the XXXX  data breach.