23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On [ XX/XX/year> ], I sent a formal verification letter to XXXX XXXX requesting documentation to substantiate the accuracy and validity of an account they reported on my credit file. I also sent dispute letters to all three major credit bureaus ( XXXX, XXXX, and XXXX ) regarding the same issue, referencing the XXXX XXXX account. 

In my verification letter, I specifically requested proof of the debt, including all contracts, account records, and supporting documentation as required under the Fair Credit Reporting Act ( FCRA ). To date, XXXX XXXX has failed to provide the requested information or any proof verifying the debts accuracy. Despite this, the account remains on my credit report, negatively impacting my creditworthiness. 

Additionally, the credit bureaus have either updated the dispute without providing proper proof or have failed to take adequate action. This lack of response violates FCRA guidelines, which require verifiable proof of a debts validity or the removal of unverifiable information.

I am requesting the Consumer Financial Protection Bureaus assistance to ensure XXXX XXXX and the credit bureaus fulfill their obligations under the FCRA by providing the requested verification or removing the account entirely.
Product: Mortgage

Company? Agency has violated our rights as sovereign living people on the land, on the soil and Wells Fargo Home Mortgage and those thereof have been non-compliant with our DO NOT CONTAT/ CEASE AND DESIST orders Wells Fargo Home Mortgage For the record continues to call, continues to send mail received instrument of mail today from Wells Fargo Home Mortgage XX/XX/year> Violating our previous orders once again
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Hello, got denied for a credit card application from BBVA compass. States " unable to verify identifying information ''. They denied me without confirming which information they need. I am very open to share whatever information they need to verify my identity.
Product: Payday loan, title loan, or personal loan

I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

XXXX XXXX XXXX  Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX This account is actually settled by litigation and was illegally added to my report. My lawyers info is following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$300.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have asked XXXX, Trans Union to remove these accounts immediately and they refuse to comply even though this is a blatant act of ID Theft.
Product: Checking or savings account

The problem i am having with golden 1 is that they just randomly closed my account set for XX/XX/23, they never called or emailed me i went to the store and my card declined. When i called them and asked why they said they are closing my account simply because my transactions dont line up with there bank. I never did anything fraudulent with my account my direct deposit and autopays where set to this account. They simply told me to go to the bank and get my cash and keep saying they have no other reasons why. Even speaking with reps they even told me they see no strange activity or reason for the department to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled up my credit report in the Past and recently XX/XX/17, All my information is mixed with Fathers information. When Ipull up my credit report with my social security and date of birth it pulls up my dads information. I have also contacted a credit repair company suggested XXXX XXXX website and the rep that I spoke with also pulled up the report and there in fact showed Accounts that belong to my father. Also My father is Not deceased so there is no reason for this mix up. There are inquires that have been on my credit report for a more then five years. There also credit cards that were opened with my information.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Credit reporting

I am still having problems with XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Product: Debt collection

on XX/XX/XXXX, and XX/XX/XXXX, I sent certified letters to XXXX XXXX to the mailing address listed on my credit report, in an attempt to pay a debt that was listed on my credit report in exchange for validation of the debt in the form of a signed contract or the original instrument of debt. I received no response from the company. The company did not inform me the alleged debt had been sold or transferred. I submitted a dispute with the credit bureaus, which did not result in a change of reporting. Although XXXX XXXX did not respond to me, the company continued to verify with the XXXX major credit bureaus. I was dissatisfied with the investigation of the credit bureaus, therefore, on XX/XX/XXXX, I submitted a complaint with cfpb ( Complaint numbers XXXX : XXXX, XXXX : XXXX ), regarding the reporting of the unverified debt for XXXX XXXX. After submitting a complaint with cfpb the following happened. 

XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX filed suit against me in the Circuit XXXX XXXX XXXX XXXX XXXX XXXX for the unverified debt for which I have requested a copy of the contract. 
XXXX. I reached out to the company, and they did not inform me the alleged debt had been sold/transferred. 
XXXX. The new owners of the alleged debt did not contact me to inform me they were in possession of the debt to allow an opportunity for payment. 
XXXX. XX/XX/XXXX - Upon investigation by XXXX, XXXX XXXX was unable to verify the debt, and was removed from my XXXX credit report. 
XXXX. XXXX XXXX continues to report unverified account information to XXXX and XXXX. 
XXXX. XX/XX/XXXX - I learned the alleged debt had been transferred/sold to XXXX. XXXX XXXX ( XXXX XXXX XXXX ) because a process server left the court documents between the bars of my storm door. The documents were not covered, publicly revealing my personal information to the public ; violating XXXX XXXX XXXX XXXXXXXX XXXX ( The video of the processor leaving documents in the door has been attached ), in addition to XXXX rules regarding debt collection. After further research on the company, I have found that the company routinely purchases junk debt, and sues consumers without verify any information about the debt. In addition, the company seems to attach a general contract document as proof of the debt without endorsements or signatures of the person for which they are suing. 
XXXX. XXXX. -I has not attempted to contact me regarding the unverified debt. They are not listed on my credit report. I have not received a debt validation letter via mail or any other process of notification. I haven't received any phone calls from the company. There is no way to get into contact with them, yet the company has filed a suit against me the very same day that I submitted a cfpb complaint for the reporting of the unverified debt to credit bureaus. That seems extremely suspicious. This is not the first time for which XXXX-I has violated the Federal Debt Collection Practices Act. They were sued for doing so in XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I am in the process of trying to buy a home and a debt for XXXX $ has shown up on my credit report from paragon revenue group which is severely impacting my ability to qualify for a home of my own. I have not received any communication from this company regarding this debt or verifying that this debt is, in fact, mine but it continues to be reported to the credit bureaus. At this point I am demanding verification of the debt or for it to be removed entirely from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
Product: Debt collection

For the past 3yrs have been contacted several times daily by portfolio recovery for debt of someone else with same name. Notified them of this and that this person may have lived in XXXX XXXX XXXX, FL and may now be deceased. Said person 's accounts were handled by someone other than herself. I am in no way related to this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. Equifax, XXXX  and XXXX has reported this information to my credit file in error. The account are as follows:  XXXX/XXXX/XXXX XXXX/XXXX/XXXX , XXXX XXXX, XXXX XXXX(2 accounts), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
+ Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. XX/XX/year> Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

these items are on my credit report and are invalid PLEASE DELETE this ITEMS PLEASE XXXX 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
Product: Debt collection

Regarding your previous feedbacks in CFPB, it verifies that : ( 1 ) NRA ( National Recover Agency ) reported on my history first, and then they tried to inform me.

( 2 ) The day of first delinquency is inaccurate or altered by NRA and reported to the credit reporting agencies. Anyway, the  current debt is not mine, because I have no unpaid statement bill on XX/XX/2018. 
-- - I paid/pay my valid bills within the legal period. My attorney advised me to stop paying any invalid request by any entity. Unless the bill is inaccurate, I am not owed. If you can validate the bill, I am willing to pay in return for your agreement to remove all information regarding this debt from the credit reporting agencies asap, despite the fact that I do not trust NRA based on ( 1 ) and ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ 1 monthly payment. The name that is reporting late is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681a/ ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 informations Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 n 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 4 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.