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

I am contacting you to request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of identity theft associated with a recent data breach, and these unauthorized items were added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent entries be permanently blocked and deleted from my credit file. 
XXXX Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX XXXX XXXX This Consumer Note is my official call for you to discontinue reporting of the items above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX XXXXT compliance since, per XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a XXXX XXXX XXXX have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my loan servicer. I'm in the middle of a XXXX application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because XXXX mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Product: Debt collection

BACK ON XXXX OF 2015, XXXX XXXX COMPANY PLACED A COLLECTION ON MY REPORT IN THE AMOUNT OF {$5300.00}, THE COLLECTION AGENCY IS PHX MGMT SOL, AND I DIDNT OWED THEM ANYTHING
Product: Debt collection

While reviewing my credit report I noticed I have duplicate debt reporting twice on my report from different creditors for the same amount for a cable  bill. One from the original creditor the other from a debt buyer collection agency. W hich means the original creditor has written off the debt and has been paid. This is effecting my credit and payment history. The  XXXX  states charged off on my report while Debt Soultions is reporting the wrong date opened, which is n't matching the dat e of 1st  delinquent payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, IQ DATA INTERNATIONAL IN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.Q. DATA INTERNATIO has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Ive been trying to work with Ocwn thats my mortgage company for 4 years I tried to do an assumption I tried to do a modification nothing is ever possible I wentctheuva bitter divorce about 2years ago my ex defaulted in court judge awarded me the house Ocwen has been telling me for 4 years I can not do an assumption because there is arrears my ex husband stop paying the mortgage when I filed for divorce. I could not afford the mortgage on my own at the time I was left alone with our XXXX children one of which has XXXX. Ocwen kept telling me all the court did was award me the debt nothing else! I contacted the XXXX XXXX XXXX to help me he has been getting no where either. I was recently told my property is going to be sold on XX/XX/2018 even though we have been working with them. I cant understand why no one will help me. I can now afford the mortgage that my ex husband had, but mortgage company says I have to bring the mortgage current before I can assume the loan, which is now {$73000.00} after all kinds of fees. My mortgage is some how almost {$500000.00} even though the house is only worth {$180000.00} at best it needs slot of work, even if you base it on the other properties in my area still no more than {$230000.00}. I dont know what else to do my son will not handle us having to leave the property the house belonged to my parents we bought it from them 16years ago. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX is reported a inquiry on my credit from One Main I did not apply for a Personal loan with them.
Product: Checking or savings account

I change a check but days later Wells Fargo withdraw my money and they day it was because somebody else change my check I go there a lot times but they say they Can not do anything
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX TransUnion for Violation of XXXX XXXX Code XXXX ( XXXX ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of XXXX XXXX Code XXXX ( XXXX ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has XXXX to comply with the law and has retained the inaccurate account information. 


The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within XXXX business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of XXXX XXXX XXXX XXXX ( XXXX ) and has caused me financial harm and distress. 


I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 

Thank you for your attention to this matter. I look XXXX to a prompt resolution and your assistance in rectifying this issue. 


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

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform XXXX, Equifax, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XXXX ( per a letter to me from XXXX ), but the balance and updated status has NOT been reported to Equifax. I have disputed the incorrect balance three times, and contacted XXXX asking them to send Equifax the correct information. XXXX is incorrectly reporting the balance to Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CITI CARDS CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA/THD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CITIBANK NA., BEST BUY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.
Product: Debt collection

XX/XX/XXXX A collection account appeared on my credit report. I immediately reported to the credit bureaus as NOT MINE. None of them have taken it off as they have reported to me that Capital Accounts ( the collections agency ) has verified the account IS MINE. 

The account dates back to XXXX for office visits to a dentist in XXXX, CA which was not me. I contacted Capital Accounts asking for documentation to verify it was my account. They sent me a generic statement showing many charges for dental work. The statement showed no names, no address, no social security number, no credit card numbers and no insurance company names or account numbers. I asked Capital accounts for all this info and they stated they could not give it to me for privacy reasons. I stated if it's my account it would be my information so there would be no privacy violations. They still would not offer me the requested info and the balance on the collection account continues to rise. I informed them according to California Fair Credit Reporting Act the account is TIME BARRED for any collections and to remove it from my credit bureau. They still would not. 

I made several attempts to contact XXXX XXXX by phone ( leaving messages even as a new client ) with NO RESPONSE. I sent them a request by certified mail for documentation to verify the account as valid and it was not received. I believe the company is out of business. I believe the collection agency is doing an illegal " Money Grab '' hoping I will pay. 

Any suggestion on how to remove this collection account? 

Regards, XXXX
Product: Debt collection

On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Product: Debt collection

A debt collector called me on XX/XX/XXXX at XXXX XXXX  attempting to collect on a debt that I have no knowledge of. This woman proceeded to threaten me with charges of Malicious Intent to Defraud a Financial Institution, which is a criminal case, not a civil case. 

Not only that, but this debt is allegedly from XXXX ; 13 years ago and puts me at the age of XXXX or XXXX years old. 

I called back on XX/XX/XXXX at XXXX XXXX  to investigate who the company was, and the same woman answered and was extremely rude and said her company name so fast that it was incomprehensible. She then immediately disconnected the call. 

As per the FDCPA : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Specifically, 805 d section 1 : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 806
Product: Credit card or prepaid card

After XXXX I had not used this credit card and have been stuck paying the bill. Since XX/XX/11 my card has been fraudulently charged by an unknown person. I have brought this up to XXXX several times after I noticed the transactions in late XXXX. XXXX cancelled my account issued a new card and have not since given me any written notice of the fraud being taken care of and deducted from my credit statement. The account was paid in full in XXXX on the XXXX. I am still receiving bills and calls from XXXX to make a payment when in fact they owe me money as none of these charges were even from me. I have had late fees and interest fees charged when I am not supposed to owe anything. 
I need help, XXXX has said they will fix this and has not and has charged me since my report made to them in late XXXX. I am so frustrated no one has helped me.
Product: Consumer Loan

I had an auto loan with Prime Acceptance and I defaulted on it. They have since sold the debt to XXXX XXXX XXXX. XXXX XXXX bureau is now collecting and has been since 2011. But Prime Acceptance is also still collecting and reporting the same debt. So they are double reporting. I have disputed it several times yet they claim it is valid. How can XXXX companies collect on the same debt and that be valid? It is not based on my research.
Product: Credit reporting or other personal consumer reports

I have been dealing with an identity theft issue. I received a letter from XXXX XXXX stating that they had a security breach with personal information back in late XX/XX/XXXX. After having an initial false credit application stopped after I verified that I did not apply for one back in the beginning of XX/XX/XXXX, I put a fraud alert on the 3 credit bureaus. In mid XX/XX/XXXX, I received a 1099-G form for taxes with regard to unemployment benefits. I have never applied for unemployment. I filed a fraud complaint with state unemployment agency, alerted my Company and it was recommended that I put a credit freeze on all 3 credit bureaus. I successfully put security freezes on XXXX and XXXX. However, when I tried to put a security freeze on Experian in the XXXX week of XXXX, I was told that my information did not match ( Cell phone # or Email Address ). I was instructed to upload proof of identity ( License and utility bill ) to Experian 's portal which I did immediately. I was told it would take 1-3 days to process. I called back 5-6 times with the same result. First you have an automated message asking for personal information. Then it prompts to ask what your business is. The only way to speak to someone on this system is when you say fraud or identity theft. Then you wait for 40-45 minutes for someone to answer. When you tell them the issue, they tell you have to speak to " Membership ''. There is no way to get to the membership department. I was given a direct line and all calls go back to the central automation prompt. When you ask for : '' membership '', it refuses to transfer to a live person. I tried to do a security freeze on line as well and someone has created an account under my information using a fake email address and phone number.
Product: Checking or savings account

About 2 weeks ago around XX/XX/XXXXXXXX XXXX XXXX my dasher direct payfaire account got suspended. Iv been trying to contact them when I call them over the phone they tell me I may only be helped online when I try to tell them it's not working they just say you need to reply to email say byeed then hangup no help whatsoever. I have my hard earned money over {$300.00} that I can't access when I try to fill out their DasherDirect Special Investigation Form it doesn't go through I tried on 3 different web browsers XXXX XXXX XXXX XXXX XXXX on 3 different devices phone laptop and pc everytime I submit form the page just reloads it doesn't go through I disable my firewalls and do everything it doesn't work so I'm not getting any help then they had me reply to the email with the questions from that firm which I did sent them my licenses photo all the info thru needed even myself holding my own I. D. For proof of verification and there are still no results they keep resending me a form to fill out that won't go through never using dasher direct again this isn't a real bank such terrible service I won't even get my money back.
Product: Bank account or service

Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Reinserted Account- Request for Immediate Removal Dear EXPERIAN, I am writing to dispute the reinsertion of a negative account on my credit report, which led previously been removed. The account in question is XXXX XXXX XXXX. 
The account was removed from my credit report as XX/XX/year>, as confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. 
I have proof of the accounts pervious removal, screenshot has been attached. 
Furthermore, I did not receive the required notification at least XXXX days before this account was reinserted, as mandated by 15 USC181i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ) Given these circumstances, I request the immediate removal of this account from my credit report. Enclosed with this letter are screenshot proof of the removal of this account. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I wrote letters to Equifax, XXXX, and XXXX asking them to confirm and send me details on specific accounts that were reported on my credit. I sent demand comply letters for the information I so desperately need to get my credit in order on XX/XX/2023. As of today, XX/XX/2023, I have not received any required follow-up correspondence or information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Re XXXX Debt Validation Request Account Number : XXXX Dear Portfolio Recovery Associates, This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the alleged debt referenced above, and I require proper verification before any further action is taken.

To comply with federal law, please provide me with the following : A copy of the original contract with the original creditor that includes my signature as proof that I agreed to this debt.

A complete payment history from the original creditor, showing all charges, payments, and credits applied to this account.

Proof of assignment or purchase of this debt, including documentation that shows how and when Portfolio Recovery Associates acquired this debt from the original creditor.

This request is to ensure that I am legally obligated to pay this debt. Until you provide the requested documentation, I request that you cease all collection activities regarding this matter, including phone calls, letters, or any form of communication.

Please note that failure to validate this debt as requested will result in a demand to immediately cease reporting this account to any credit bureaus, as unverified information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

You are required to respond to this request within 30 days of receiving this letter. I expect you to handle this matter promptly and provide full compliance with federal law. 

Sincerely, XXXX XXXX XXXX