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

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Hello, I closed my accounts with Truist Bank, including closing an unused Safe Deposit Box. The bank continues to try to charge me for Safe Deposit Box fee, although the Safe Deposit Box was originally offered at no cost. ( Prior to Truist buying Suntrust Bank ). 

I visited the Truist Bank branch on XXXX XXXX XXXX XXXX, FL in person and requested the Safe Deposit Box to be closed, particularly due to the fact they were trying to charge me and also that it was unused. 

I also requested Truist Bank to handle this in writing via a notarized document. ( See attached ) I also made a XXXX complaint and communicated with XXXX XXXX, Truist Bank resulting in my receiving yet another Safe Deposit Box rental fee invoice. ( See attached )
Product: Credit reporting or other personal consumer reports

On XX/XX/year>25, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX 'S unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required 4 business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX 'S created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.
Product: Checking or savings account

I have already complained to the OCC Ref. XXXX XX/XX/XXXX, and XXXX dated XX/XX/XXXX.  I now learn I should have complained to you. 
On XX/XX/XXXX The Bank of America closed my checking account without warning with a balance of {$33.00}, XXXX in credit. They claim I did not respond to status questions via my cell phone, but not by email. However I am not in the USA at present, so email was the only way of contacting me.I have banked with Bank of America for ten years with an unblemished record. I have waited for 20 days now to receive a check which has not been forthcoming despite an almost daily stream of emails to XXXX XXXX, Resolution Specialist, Case ID XXXX. 
I am at my wits end, because I am clearly getting the runaround from these people. 
I would like to email you a complete thread of my emails to them and their replies to illustrate the scale of the problem. They are a complete disgraces
Product: Debt collection

Penn Credit Corporation sent a letter attempting to collect a debt that is already being collected by another company. I called the hospital that Penn Credit Corporation cited as the source of the debt and the hospital told me they do not use that debt collector.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXXXXXX 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 have three unauthorized hard inquires on my credit report. These inquires are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. I would like these removed from my report since according to the FCRA these were unauthorized and must be removed.
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/XXXX. And now we are in the month of XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY NAME PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Dear EXETER FINANCE LLCXXXX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : EXETER FINANCE LLCXXXX XXXX XXXX XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Debt collection

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in XXXX  accounts, which is quite concerning to me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My Information got hacked in several data breaches along with misinformation on my credit reports.
Product: Debt collection

XX/XX/year> AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Debt Account : XXXX Dear AMERICAN EXPRESS XXXX am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws.

The debts in question were not discharged in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. 

Any attempt to collect on a canceled debt is a violation of federal law. 
It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. 

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt.

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies.

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately.

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

back in XX/XX/XXXX me and my wife sold a rental property and closed at alliance tittle company no problem 2 months later chase calls me and wants to know why we havent made our loan payments i thought that was strange went home my wife checked her bill pay accounts and payments were rejected she called chase bank thats when it all started the wrong loan was payed off, another one of our rentals. not sure who all to blame but the tittle company said it was our fault! they prepared the documents, we had to send money to chase to reopen the loan, back payments our credit score was XXXX plus now we are in the XXXX XXXX range chase filed a remittance of deed XX/XX/XXXX i have received a notice of forcloser from chase they sent us a statement of how much money they owe us and that the tittle company is to pay interest that was a month ago we have tried to call chase but are always disconnected. to say frustrated, mad our credit is ruined we just dont seem any closer to having this over than we did a month ago not wanting to hire a attorney but may have to just thought i would give this a try can you help?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal bill from my credit report that is not mine and is adversely affecting my credit score. The details of the account in question are as follows : Creditor Name : XXXX Date of Charge/Account Reported : XX/XX/year> ( XXXX yrs, XXXX mos ) Amount : {$780.00} This account pertains to a phone bill that I have not agreed to / utalize. It is my understanding that due to accounts not being mine it should no longer appear on my credit report, as per the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Called Experian Credit reporting agency numerous amount of times to get an inaccurate address removed. The address is a non mailable address and I do not reside in. However, the credit report agency refused to remove. I have also proof that it is inaccurate based on It not being on other credit reports from another agency ( XXXX ). It simply does not match my transunion or XXXX credit file and report. I have asked this reporting agency to remove a numerous amount of times via phone thru customer service please have the address removed so it can match my transunion and XXXX credit file and report. Please review 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Debt collection

My husband who is XXXX year old military veteran, in declining age and in the early stage of forgetting things esp. when he takes pain medications, got involved in a trade- in transaction with XXXX XXXX thru an agent named XXXX XXXX , of XXXX , XXXX , XXXX. My husband used Kia Spectra, XXXX that is both in his name and mine to get a used pick up truck. 
The trade-in deal was hurriedly done, and within an hour or so, when I came home from my part-time job, I saw the red pick-up in our carport. I t came a surprise because that Kia was a perfect running condition, mortgage free and in fact XXXX XXXX XXXX offered to buy it back as trade-in for a newer model. 
Realizing that he could not pay the monthly payments for the used pick up truck, my husband called to return it on the second week.It was picked up after more than two weeks. 
As a wife of XXXX years, I asked about a signed contract for the transaction, but my husband had no copy to show me. Neither was there a copy of the return transaction. In short, I did not see a contract at all! 
I would describe this deal as done without following proper procedures. There was no careful screening as to the financial background whether my husband could afford to pay or not. Also, no proper interview was done to ascertain my husband health issue as to competence in making a car purchase without consulting me as a wife. If the agent was careful enough he would have seen that my husband could hardly talk, hardly walk, and even hard of hearing on his right ear. My husband is XXXX, and has XXXX. With medications he gets XXXX and does things he does not mean to do, like buying he truck he did not need. 
Now, my husband is facing a debt collection from United Recovery Systems based in XXXX XXXX in the amount of {$6200.00}, dated XXXX XXXX, 2015 thru the agent named XXXX XXXX. The Creditor named is XXXX XXXX XXXX, XXXX. But Actually, the deal was with XXXX XXXX in XXXX XXXX XXXX, XXXX, XXXX