23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, I sent a letter to all the credit bureaus with a certified letter asking to see any inaccuracies on this debt as well as how were the able to verify the debt with this collection agency. 

On XXXX XXXX, 2020, I sent a letter to Creditors Bureau Associates to verify a collection that reported on my credit report. I sent a letter requesting for them to send me an original debt from the actual company of an agreement that was made. 

On XXXX XXXX, 2020, I sent a follow up letter to see how they were able to verify the debt with this collection agency. 

Creditors Bureau Associates does not have an account number listed as well on all three bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXon XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Once again experian notified me at XXXX XXXX  they were still working on the issue and 7 minutes before that they notified me that they closed another BORH COMPLAINTS WERE EXACTLY THE SAME WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO CENTURYLINK THE REFUSE TO GIVE THEM BACK UNLESS I PAY THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern To Whom It May Concern I am challenging the incorrect information with XXXX XXXX and alll 3 Bureaus XXXX, Equifax, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and 3 credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all 3 bureaus XXXX, Equifax, and XXXX as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was approved instantly for a Sams Credit Card. I just received a letter stating because of my credit I did not receive a low interest rate. I called Synchrony Bank on XXXX when I received the letter and said something is wrong because my credit score is almost in the 800s and do not have late payments. There must be a mix up. I told him I was looking at my XXXX and XXXX  report as we speak and he said they use their own credit rating. I explained its still way off and thats not right. He kept laughing and saying goodbye. Every time I tried to speak he spoke over me and would laugh. Then he said we get complaints from everyone saying they dont like our system and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. 

Equifax is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Under the 15 USC 1681b ( a ) ( 2 ) Equifax did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and Equfiax during litigation for wrongful collection attempts.
Product: Credit reporting or other personal consumer reports

I recently found out that I was apart of the Equifax data breach. I would like my credit report cleared due to fraud. I have attempted to retrieve a copy of my Equifax report but the email I received didn't have a verification code. I will have to mail to request a report since there systems are not working properly. I am contacting you now and urgently because I am receiving letters and civil summons from companies I am not familiar with. I believe these are a result of the data breach. Please clear the Equifax report. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report Dear Equifax : To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon careful review, I found multiple entries that are erroneous and were made without my consent. These inquiries are not only inaccurate but also detrimental to my credit.

I want to emphasize that I have not applied for credit with these companies, nor have I authorized them to access my credit file. This breach of my privacy is unacceptable, and it violates my rights under the Fair Credit Reporting Act ( FCRA ).

I demand that you immediately investigate these unauthorized inquiries and remove them from my credit report. I expect a thorough investigation and a prompt resolution to this matter, as it is crucial for maintaining my credit integrity.

Enclosed, you will find a copy of my credit report that highlights the unauthorized inquiries, along with any other relevant documentation to support my claim. 
Please acknowledge receipt of this letter and inform me of the outcome of your investigation within the timeframe stipulated by the FCRA. I appreciate your immediate attention to this serious matter. 
Thank you. 
Sincerely,
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX Account Number : XXXX and 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

I have requested written letters and verbally for transunion to remove, inaccurate and information off my credit report, according to the FCRA. The have ignored my demands and my rights. I have taken all necessary steps according to Federal law for the removal of these inaccuracies on my consumer report and I demand Transunion follow the law and discontinue violating my rights under the consumer law.
Product: Credit reporting or other personal consumer reports

I made a complaint with Transunion, XXXX, and XXXX  on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within XXXX business days from XXXX.It has been XXXX  days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called XXXX which I did not solicit or requested. 
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person. 
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION
Product: Money transfer, virtual currency, or money service

I wire transfered {$21000.00} from b of a in XXXX Fl to a b of a in XXXX Utah on XX/XX/XXXX to purchase a car. 
By XX/XX/XXXX I realized I was robbed Police report # XXXX Then b of a office manager XXXX XXXX said to file a bank fraud complaint On XX/XX/XXXXXXXX XXXX XXXXXXXX After 7 phone calls where I was told I would get the {$21000.00} back, I called again on XXXX XXXX and said I have no car, it's been over 3 months!!! 
I was told after being put on hold 5 times that in 48 hours the money would be put back in my account Yesterday at XXXX XXXX I called the b of a fraud dept again, I was now told that NO my claim was denied as I was told it wasn't fraud, I was scammed XXXX XXXX XXXX has told me that the person who robbed the b of a took XXXX XXXX in 3 days from me and others. 
The police stated that, Homeland Security and the Secret Service are involved looking for this man!

Is the bank now going to tell people, no you were scammed so no one gets there money back. 
From XX/XX/XXXX till XX/XX/XXXX I was told I would get the XXXX  back Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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

In XXXX our corporation was issued a XXXX business card in the name of XXXX XXXX XXXX that continually harassed us for about 3 yrs and claim that the debt is owed by my husband which it is not XXXX business cards sold the the account to XXXX and XXXX who claimed to be attorneys they were not set up a settlement with us which we paid in XXXX XXXX the the corporation they never reported it XXXX kept the money XXXX on {$4000.00} they said was owed then they turned it over to a debt collector in XXXX named federated financial services which went after my husband with their attorney and said he owed XXXX with al the penalties late fees and interest every month they had the XXXX come to our home threatened us and told employers our confidential business XXXX business is bankrupt and federated has changed their name to XXXX XXXX XXXX we have paid this and do not owe anything just who are they collecting debt companies settled for pennies on the dollar and we paid them we want it removed off of my husband credit report and post as debt settled and to leave us alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Equifax received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.
Product: Mortgage

To Whom It  May  Concern  : 1 . My escrow account is incorrect.  Ocwen 's Escrow Account Disclosure form  dated   XXXX   XXXX   XXXX  , indicates a negative escrow of {$5100.00} which is incorrect. I made all required escrow payments and ye  t Ocwen  now indicates a huge shortfall. Ocwen continues to improperly raise my escrow payment.
2. My principal balance is incorrect. Ocwen has committed multiple modification fraud on my account adding exaggerated arrears and illegal fees fees to my account - including multiple foreclosure fees, repeated inspection fees and ongoing attorney fees.
3. Ocwen violated the Fair Debt Collection practices act by greatly exagg  erating my arrears and then later changed their records in  XXXX  and then again in  XXXX .     Please ask Ocwen to correct my escrow and principal balance on my mortgage account. I would also like to mention the great personal cost of living with the fraud committed by   Ocwen  against me and my family.
Previous Complaint C  FPB # :  XXXX  was not corrected b y Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to provide consumer with proper method of verification of XXXX allege XXXX late payments. On XX/XX/XXXX and XX/XX/XXXX Experian sent consumer an E-Oscar response claiming to have verified this dispute but failed to provide me with documentation they received from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Mortgage

My loan was transferred from XXXX XXXX in XXXX of XXXX. My escrow balance to be transferred to XXXX was {$1400.00}. XXXX shows I had a negative balance of - {$1400.00} not positive. Now XXXX wants to raise my payment {$220.00} because of the escrow shortage due to their mistake. The difference between this mistake is {$2800.00} from putting down a negative balance instead of a positive balance and I have the paperwork from XXXX XXXX showing my payment history and positive balance on escrow account. I explained but the people at XXXX on XX/XX/XXXX, and XX/XX/XXXX can not rectify the situation. When I ask for supervisor I am told one must call me back. I have never received a call back. 
My payment should not go up {$220.00} and XXXX needs to fix their mistake. I need a supervisor to call back and send proof this has been fixed and not just told someone will call me back. XXXX has stolen my escrow and trying to steal more money through my monthly payments.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and found multiple items that caused me significant distress. These items appear to be unverifiable, invalid, inaccurate, and questionable. It is evident that your agency did not ensure these entries were 100 % accurate. 

According to the Fair Credit Reporting Act, all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies.

I am attaching copies of all relevant correspondence for your review. Please address these discrepancies promptly to ensure my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

At the time I took this loan I advised the company I didn't understand how interested could be so high on a loan processed in Washington state..id had XXXX strokes at the time and the representative advised it's all perfectly legal when I advised them I was also concerned about the overall contract as I wasn't sure I understood I thought I had access to a different loan with possibly better terms but would take longer to get the money. I was advised no one else would give a better offer based on my credit... And that the fastest way to get my money was to just accept it feeling beaten down and defeated I finally accepted.now their saying they couldn't process a payment twice in XXXX money was in my account both times the second time my mom even loaned me the money for their XXXX fee that I didn't feel I should owe. Their interest rate is the equivalent of loan sharking final payoff would be over XXXX. Ive asked them to remove my auto pay authorization immediately I was advised I had a payment in XXXX I don't have the money I just paid them XXXX ; but even if I had it for XXXX payment it's due XXXX and they've blocked me from all payments online assuring the payment will be late anyways.they also wanted to charge me fees in more than my initial loan amount for a payment that would have never been late had they processed it properly other payments processed why not this one no explanation