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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I am filing a formal complaint against Experian Information Services LLC for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to my dispute regarding the removal of inaccurate information from my credit report. Despite submitting a detailed dispute on XX/XX/year>, Experian has failed to respond within the legally mandated 30-day timeframe. 

Details of the Complaint : Dispute Filed with Experian : On XX/XX/year>, I submitted a formal dispute ( Dispute ID : XXXX ) to Experian, detailing multiple inaccuracies in my credit report, including incorrect names, addresses, phone numbers, and employers. I provided my correct identifying information which is XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Tx XXXX, my phone number is XXXX, and no employer I requested that all inaccurate personal information be removed from my report in compliance with FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) and 611 ( 15 U.S.C. 1681i ).

Failure to Respond within 30 Days : As of today, more than 30 days have passed, and Experian has not responded to my dispute or taken any corrective action. Under FCRA 611 ( a ) ( 1 ), consumer reporting agencies are required to complete their investigation and provide a response within 30 days, which Experian has failed to do.

Inaccuracies in My Credit Report : In my dispute, I identified 46 inaccuracies, including incorrect names, addresses, phone numbers, and employers. These inaccuracies are seriously impacting my credit, and Experians failure to correct them is in direct violation of FCRA requirements to maintain maximum possible accuracy in credit reports.

List of Disputed Items ( Previously Submitted to Experian ) : Incorrect Names : Multiple variations of my name, including " XXXX XXXX XXXX, '' " XXXX XXXX, '' and others. 
Incorrect Addresses : Several addresses I have never lived at, including " XXXX XXXX XXXX XXXX, XXXX XXXX, CA '' and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX. '' Incorrect Phone Numbers : Incorrect phone numbers that do not belong to me, such as " ( XXXX ) XXXX. '' Incorrect Employers : Listed employers such as " XXXX XXXXXXXX XXXX '' and " XXXXXXXX XXXX '' where I have never worked. 
Resolution Sought : I request that the CFPB take the following actions to ensure Experian complies with the FCRA : Immediately delete all inaccurate information from my credit report, including the incorrect names, addresses, phone numbers, and employers I have disputed.

Provide a full and documented response to my dispute, detailing the investigation conducted and the methods used to verify the information.

Ensure Experian adheres to the FCRAs 30-day requirement for responding to disputes and corrects the inaccuracies in my report without further delay. 
Enclosed are copies of my original dispute letter to Experian and supporting documentation showing the inaccuracies that remain on my credit report. 

Thank you for your prompt attention to this matter. I trust the CFPB will take the necessary action to ensure Experian complies with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not  accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.
Product: Student loan

Edfinancial has been impossible to get in touch with. I've paid my account 3 times in the month of XXXX because they keep reversing the transaction. Now it's saying my account is past due and theres nothing I can do about it. I've already called my bank and they said that Edfinancial hasn't even attempted to take the money out of my account. I've tried calling and I've tried emailing. No one has gotten back to me, and the interest keeps going up. This is beyond frustrating.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally file a complaint against American Express regarding the handling of my account, which ends in XXXX. Despite having paid off the account, American Express has erroneously reported that I was delinquent on this account. This reporting is inaccurate, and it has negatively impacted my credit score and financial standing. 

Additionally, American Express sent me a letter acknowledging that they made mistakes on my credit report due to a technical error. In the same letter, they stated that they would correct the issues on my credit report. However, no such corrections have been made to date, and the inaccurate information remains on my credit report. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that American Express corrects the errors on my credit report and takes responsibility for the harm caused by their negligence. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

Nationwide Recovery Systems ( NRS ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX 

This company is fraudulently trying to collect debt that his been paid. 

I 've sent them a copy of the receipt which reads the original account number issued by the medical provider. However, NRS claims this is not the account because it does n't match the account number issued by their agency. 

The amount they are fraudulently trying to collect is {$930.00} which is the exact amount on the receipt I sent. The medical provider is the same, the amount is the same, and the date of service is the same. Yet, they claim it is a different account with the same exact amount on the same exact date with the same provider. 

I 've checked with the provider and the account paid is the only account they have. There is no second account on the same date for the same exact amount. 

I need for the harassment to stop. I paid my debt and do n't want to be extorted into paying it again. 

I appreciate you looking into this matter.
Product: Credit reporting or other personal consumer reports

I got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX XXXX about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consumer reports, as well as pay the attached invoice for each violation they violated.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXXXXXX XXXX XXXX XXXXXXXX Chapter 7 Bankruptcy Reference # XXXX XXXX Chapter 7 Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter 7 Bankruptcy Reference # XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} UPGRADE XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. 

Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.
Product: Vehicle loan or lease

My Vehicle was reposed, the company sold the vehicle at the auction and didn't issued credit for sale. The company is trying to collect of the full balance in auditioned is trying to collect interest after the account was charged off on XX/XX/. I would like for this account to be removed from my credit report as its reporting incorrect information.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Debt collection

Last year I talked to the XXXX XXXX XXXX XXXX. I told them I did n't feel comfortable with their service and they said if I did n't want to proceed further I did n't have to. Today I received a debt collection notice on behalf of them from XXXX attempting to collect on that debt. I never used their services because I can literally do it for free. I am not responsible for this debt because they never did anything for me after I said I did n't want to use their services.
Product: Mortgage

I have been a resident of XXXX County, NY for 35 years and am now in the process of selling my home in XXXX. The home is in contract for another XXXX County resident to purchase. We have been unable to get a clear title to sell the home, even though the mortgage with HSBC bank has been paid in full for seven years. The bank incorrectly recorded the satisfaction of mortgage seven years ago, and now that we are trying to get a clear title we are unable to do so. 

My lawyer, XXXX XXXX, has been attempting to resolve this issue, even providing all of the incorrect information as well as the correct information to the bank. The bank, HSBC, does not have a customer service contact that is willing or able to assist us. When I have attempted to contact them, and when my lawyer and my real estate agent have attempted to contact someone who can help us, they only provide an email address. When we email the contact email address we receive an auto response that says, " HSBC XXXX has reviewed this request and determine this is not a XXXX XXXX   XXXX loan. Your request has been referred to the appropriate HSBC Bank contact for review. XXXX '' We have been contacting the provided email addresses since XX/XX/2020, and have not yet received any response. The person who wants to buy our house must be out of her current living arrangements by XX/XX/2020. 

The bank has been completely unresponsive. We are in danger of not being able to sell our home and the buyer is in danger of not have a place to live as of XX/XX/XXXX. We do not know how to get the needed resolution. Can your office please help me? 

I can be reached at XXXX. I would greatly appreciate any assistance that you can provide. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX XXXX  reported my mortgage payment delinquent between the months of XXXX and XXXX. This was incorrect. I contacted XXXX XXXX  several times throughout the XXXX  of XXXX to get this fixed. After XXXX XXXX  agreed they reported my account 150 days delinquent incorrectly, they claimed to me they reached out to the major credit bureaus to reverse their misreporting. I also directly disputed the mistake with Equifax and TransUnion in XXXX. I specifically disputed the mistake with Experian two times in XXXX and again in XXXX, in which I included a written statement from XXXX XXXX  corroborating my dispute. 

As of XXXX, when I check my yearly free credit report, none of the main credit bureaus ( Equifax, Experian, and TransUnion ) had removed the delinquency. As of this writing, Experian has still not removed the 150 delinquency from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

This is in reference to the following debt appearing on my credit report : PRE-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 I asked for validation of this debt requesting all of these items : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. 

They only provided me with an application to rent completed by someone online. They have no copy of my identification, they only have fraudulently supplied and inaccurwte information. I also reported this to the FTC as ID theft and supplied them with a copy. Now they are asking me for NOTARY SIGNED POLICE REPORTS, Copies of leases, I was homeless during that time and have not way to provide those items. 

Please help! 

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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the improper use of my credit report. I recently discovered that [ insert company name ] accessed my credit information without my authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
I believe this is a violation of my rights under the FCRA, and I am requesting that this matter be investigated. Additionally, I ask that any unauthorized inquiries or impacts on my credit profile be addressed and corrected.
Product: Checking or savings account

Dear officer, I opened the checking account with First Tech Federal Credit Union ( FCU ), and I wanted to receive the XXXX dollar bonus by completing the direct deposit requirement ( I have attached the deposit requirement term below ). However, after qualifying 3 deposits totaling at least XXXX dollars within 120 days of account opening, the XXXX refused to honor the bonus. I have attached their response as well. 

They claim that my deposit stopped after XXXX even though they DID NOT specify continuous deposit during the 120 days period at all. They only mentioned the deposit need to be maintained in the account for 120 days which I have followed accordingly. I am afraid they are falsely advertising and making up requirements after new users signed up. 

Thank you for your time and help. 

Best regards, XXXX XXXX The offer term : New Direct Deposit Offer : New direct deposit must occur at least once per calendar month from the Participants employer payroll into any account of which the Participant is the primary account owner. Direct deposits from a non-employer payroll source do not qualify. Monthly recurring direct deposit amount must total at least {$1000.00} for a {$200.00} bonus. Initial direct deposit must take place within 60 calendar days of Enrollment. At least three recurring direct deposits must be completed within 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participants Membership Savings account the first week following 120 calendar days of Enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.
Product: Credit card

Scam alert : A representative from Chase Bank called from this phone # ( XXXX ) XXXX from XXXX, XXXX, at XXXX XXXX  this morning, XX/XX/year>. The caller wanted to offer me a lower interest rate on my Chase credit card and wanted to hand me off to her XXXX. I immediately hung up the phone and blocked the caller. This sounded like a scam to get my banking information and my credit card number, as the caller knew what bank credit card I use. Please add this number to your fraud list and investigate. 
Thank you.