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

Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. 

In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



Account XXXX : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter. 

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

The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from XXXX XXXX XXXX saying its paid in full. It is still showing on my credit report as open and XXXX XXXX  XXXX will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan account.
Product: Credit reporting or other personal consumer reports

Dear I am writing to dispute inaccurate information regarding a charge-off account listed on my credit report. I have found multiple inconsistencies in the information reported by the XXXX credit bureaus, and I request an investigation and correction of these discrepancies. *Disputed Account Information : * - Creditor : XXXX - Account Number : [ XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that you investigate these discrepancies and correct any inaccuracies. Please contact the original creditor to verify the correct information. Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately.Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for credit card with XXXX to save on buying appliance was turned down when the letter came 7 days later explaining why it states I am deceased. I am quite alive and working. This is a very poor company that can not see dead people do not go to stores and buy appliances cut rate company very disappointed in XXXX.
Product: Credit reporting or other personal consumer reports

I've disputed this so many times. I put a fraud report on my account and trnsunion still put it on my account. I have filed a poice report and still nothing has been done. This has personaly ruined my life and the next step will be going full fource with lawsuit. Numous times have sent me a letter saying they dont even have a report on me in-between all of my desiputes And every time i have told them to send all the information how tjey got the info they send nothing. I have kept everything peice of paper they have ever sent. There are laws for this reason and XXXX has broke the law about XXXX times since this has started. These accounts will be deleted ASAP. I will once again provide all information in the attachments. 
And the police report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to speak with this company in regards to not being notified of this account prior to being reported on my credit report. I was not sent any kind of communication in the mail or phone. The address the company had on file was over 6 years old. As a FCRA Reporting company it is their due diligence to properly notify me before placing an account on my credit report. That was not done so. I want to pay this account but since I was not properly notified prior to the credit reporting as required by my consumer rights, this needs to be deleted off my credit report. These are sneaky and unfair practices that we are supposed to be protected by with the CFPB/FDCPA. I am hoping we can come to a resolution as this is not supposed to be on my credit.
Product: Credit reporting or other personal consumer reports

Hello, After consolidating my XXXX loans with XXXX, my credit report shows double the XXXX loans that I should have. We are in the process of purchasing a home which means this has hurt our debt to income ratio with our mortgage loan processor. We need these loans removed as soon as possible. 

I have contacted representatives at XXXX, XXXX, and Nelnet. 
Nelnet explained that they sent the appropriate documents to XXXX showing my loans were paid in full. This would mean I should only show XXXX loan balances with XXXX. 

After contacting XXXX multiple times, they said they had not received any paperwork from XXXX and have opened up multiple disputes on my behalf. 

I do not understand where the bottleneck is coming from, but one of these companies is not processing my updated XXXX loan information. I need assistance in figuring out which company it is in order to correct my credit reporting with XXXX and all credit reporting agencies and improve my debt to income ratio. Is this something your office can assist with?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. Equifax is claiming that this statement is there because of XXXX XXXX  XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. Equifax continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.
Product: Checking or savings account

In XXXX, My XXXX XXXX XXXXXXXX Checking Account got Closed due to Fraud Transaction. 
I was a victim of the Fraud Transaction, in XXXX around XXXX i posted an advertisement for my apartment to rent as i am moving out of XXXX and relocating to XXXX XXXX, XXXX due to Job Change. A person contacted me through the Advertisement which i posted in XXXXXXXX XXXX. he sent me a check to deposit in my account as rent in advance for the XXXX month, i tried to deposit twice as initial time it didnt work properly, so i asked him to send again and he sent again. I tried one more time, the check turned out to be Fraud check and XXXX ( XXXX ) immediately locked my account and told due to fraud transaction we are closing your account. i tried to speak with Bank but they didnt listen to me. From then i was not able to open checking account associated to my SSN. i tried to open in Chase bank, XXXX XXXX but all i got is application declined and gave an email to reach out to XXXX XXXX XXXX 

On XX/XX/XXXX, i spoke to customer service on XXXX XXXX XXXXs. They took note of every piece of info i gave and filed a compliant and told me with in 10-15 days i would receive a report which will give me the full information about the issue. but i have not received any letter as of now.

Please let me know how it can be resolved
Product: Debt collection

I am getting a alert about Caine & Weiner on my credit report and I have no idea how this fraudulent account is with this company exist. I have attempted to resolve this issue with the company on several attempts and they have failed to respond or assist me on several attempts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to complain officially as these accounts are not mine : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.
Product: Credit reporting, credit repair services, or other personal consumer reports

see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. 

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) 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} ; Accounts : XXXX  XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) I'm requesting a thousand dollars per violation or Deletion of the accounts
Product: Debt collection

This collection agency is attempting to collect a debt that is not mine. These alleged charges erroneously appeared on my credit report. I currently have services w/ XXXX, previously known as XXXX  at my current address of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX FL XXXX. I tried to call Way Point Resources Collection agency on XX/XX/2019 to inform them they are reporting incorrect information to the credit bureau. The agent did not submit a dispute, instead told me they have an account being reported to them at a different address but would not disclose the address and the account started with XXXX XXXX which turned into XXXX XXXX. I tried to dispute this invalid debt being reported to the credit bureaus but I was told by the collections agent they would continue to collect a debt that does not belong to me. 
I am requesting validation of this debt with my signature on the original contract from XXXX XXXX according to my rights under theFair Debt Collection Practices Act ( FDCPA ).

I do hereby request that your office provide me with complete  documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If  your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Student loan

I took out a series of student loans over time beginning from XXXX to XXXX. During those timeframes, some of the schools closed, loan offices closed, companies failed to honor my requests for appeals, my work, unemployment and income taxes both state and federal were garnished! I have no paperwork from anyone! I have requested copies of the paperwork! I dont have access to my own internet or phone due to COVID! I have continuously tried to get this information! Have the correct information reported to the credit bureaus and to be used a refund with interest and back pay effective immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I have sent in multiple disputes regarding this account, and it's been removed and keeps coming back, under a different name, and the other bureaus have removed them of my credit report, but you guys refused to do so. I have submitted my police FTC report, and identification for verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX  XXXX  XXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$61000.00}
Product: Credit card or prepaid card

American Express promotional offer on their AMEX BLUE CASH PREFERRED CARD for {$300.00} credit on account statement after spending {$3000.00}. I checked and double-checked that I was qualified and I will get the {$300.00} credit. After I spent the money and paid the bill in full, AMEX now denies the {$300.00} credit making excuses. 

They are engaging in fraudulent and deceptive business practices to get customers to spend {$3000.00} first and then deny the credit later. They did not tell me upfront but now are making excuses for non-payment. 

MY CARD ACCOUNT NUMBER ENDING XXXX AMERICAN EXPRESS XX/XX/XXXXXXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.
Product: Mortgage

I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about.
Product: Credit reporting or other personal consumer reports

I called Equifax On XX/XX/XXXX to remove my own dispute status on my accounts XXXX, XXXX XXXX 's and XXXX XXXX XXXX. I was obtaining a mortgage and was told to remove comments from report. I was told it was completed. 

I called back on XX/XX/XXXX they were still there. Requested again for them to be removed. 

Called on XX/XX/XXXX still there requested again Called XX/XX/XXXX still there requested again Called XX/XX/XXXX disputes still there, requested removal again XX/XX/XXXX still there requested again XX/XX/XXXX was told information was removed XX/XX/XXXX called lender and loan was declined because of dispute status on report. 

I now have a low score, and a denied mortgage because of the negligence by equifax
Product: Debt collection

On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



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

This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks