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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

( The best service company ) is a debt collection agency that has posted a. Collections account on my credit report which is hurting my credibility and preventing me from obtaining any other form of credit. The amount continues to grow and when I requested proof of debt in the form of original contract I was told no that they sent me something last XXXX already. I informed them that I never received it that if they indeed sent one that sending another should be no problem. They said in order for me to obtain the requested documents I would have to send them a copy of a police report. When I asked if they were obligated to provide me with those documents to show validity of debt they then said that XXXX XXXX XXXX XXXX is the one collecting not them and refused to give me the info for contacting them.
Product: Credit card or prepaid card

In XX/XX/XXXX, I discovered that 6 years after our divorce, my ex-wife had a credit card with Kohl 's that I was listed on. That account was over the credit limit at approximately {$1600.00} versus their {$1500.00} limit. I notified my ex-wife and provided her with funds to 1 ) pay off the account and 2 ) close the account. My ex-wife paid approximately {$600.00} of the {$1600.00} and closed the account, which dropped my credit with XXXX from XXXX to XXXX in late XX/XX/XXXX/early XX/XX/XXXX. I filed challenges with XXXX, XXXX, and XXXX XXXX who all referred me back to Kohl 's. I called Kohl 's and explained the situation to which they said that I was second and " not an Add-on '' to the account, therefore they were holding me responsible. Both my ex-wife and daughter called Kohl 's to exonerate me. By having Kohl 's launching these attacks, including another today, my credit is being held hostage, now at XXXX as my ex-wife does not have funds to pay the account so they wreck my credit trying to extort money from me. I would like this situation to be stopped since I did not sign up for, receive, or use a Kohl 's Credit Card and did nothing to cause the problem. Kohl 's is trying, in my opinion, to extort payment from me even though I never signed or received a Kohl 's card. Also, I have lived in California, not in Texas to this date, where some of the credit agencies are listing me as living in Texas at my ex-wife 's address. Our divorce was final on XX/XX/XXXX. Kohl 's obviously does not have a contract wet-signed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XX/XX/2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXXt # 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Debt collection

I have reached out to this company via certified letter asking for debt validation in which this company has not responded to my request. I sent the debt validation letter on XX/XX/XXXX and again on XX/XX/XXXX with no response either time. I have no knowledge of this debt. I have no signed contract with this company nor do I have any signatures or receipts from this company. They have not responded to either request for validation. I am being denied credit because of this inaccurate information.
Product: Money transfer, virtual currency, or money service

Down payment funds of XXXX were wired ( domestic ) from Wells Fargo to an XXXX dealership account ( Bank XXXX XXXX ) on XX/XX/XXXX. 
Wells Fargo XXXX # XXXX RFB # XXXX After a few days of back and forth with the XXXX dealership, on XX/XX/XXXX I recalled the wire of XXXX  because the XXXX dealership had still not received the funds in their Bank XXXX XXXX account. I did verify it was wired to the correct account number with the XXXX dealership. 
I was asked by Wells Fargo to allow XXXX business days for a resolution. They have already violated this policy. 
As of today XX/XX/XXXX, Wells Fargo has still not provided a resolution. 
I was given the run-around from Wells Fargo this XXXX speaking to at least XXXX different account reps. From my conversation with some of account reps, actions still had not been taken by Wells Fargo to retrieve and reinstate my wired funds. XXXX  is a large amount of hard earned money for me and is causing me XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have had issues with this company for over year. This company does not investigate inaccuracies. This does not provide requested documents. This company, despite being provided with proof of inaccuracies, continues to report inaccurate information as accurate causing irreparable harm. 

XXXX. XXXX : Requested information, because of inaccuracy. Company refuses to provide proof. Company told me on a record call the vendor doesn't have proof. Spoke with Vendor and they are unable to provide me with the document and keeps sending information that they either need additional information ( despite having my SSN and DLN ) or that they are having another department investigate, rather than send what I requested. 

XXXX. XXXX : This account was closed over a year ago. XXXX took over the loan and the loans were forgiven. Despite being provided with this information. Company continues to report it open. Company continues to report that I have a XXXX balance, which has prevented me from making a major financial decision and created irreparable harm.
Product: Credit reporting or other personal consumer reports

Received credit monitoring notification today XX/XX/year> that there was a Hard Inquiry added to my credit report by XXXX XXXX XX/XX/year>. I have not applied for any credit cards nor any credit of any sorts in a year. I would like for this to be investigated and removed from my report as it is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed accounts XXXX XXXX  and XXXX XXXXl on my consumer report with XXXX XXXX and equifax based on inconsistent and inaccurate reporting.. 

XX/XX/XXXX I sent XXXX a letter based on no notice of dispute and lack of furnisher updating the date they reported proving they did a investigation XX/XX/XXXX I sent XXXX and equifax a dispute based on inaccuracies XX/XX/XXXX XXXX  sent me results verifying XXXX  XXXX as accurate XX/XX/XXXX XXXX  sent me results verifying XXXX XXXX  as accurate XX/XX/XXXX XXXX  sent me results verifying both of these accounts as accurate. 

I also took it upon my self to get a new credit report from equifax dated XX/XX/XXXX to see if equifax had any updates and I noticed equifax updated the date these accounts were reported XX/XX/XXXX. I never received my results having to do with these accounts. to my understanding the furnishers of these accounts can not report disputed infromaitn without sending the consumer a written notice that these accounts have been disputed. not only is equifax NOT reporting the account numbers that are suppose to be attached to these accounts but they lack reported information. equifax failed to notice of dispute the XXXX XXXX  account but the furnisher updated information XX/XX/XXXX XXXX equifax is notorious for not sending written results to me like ever. how am I suppose to know when these accounts have been investigated? 

anyway while looking over all 3 credit reports on both of these accounts I couldn't help but notice all 3 reporting agencies are reporting 3 different running of reporting dates manipulating the date of 1st deliquency to fluctuate. to my understanding there is only 1 date of 1st deliquency date and changing this date is considered illegal activity. why are all three reporting agencies reporting 3 different running of reporting dates and 3 different date of 1st deliquencies? XXXX failed to report a noticed of dispute and failed to update the date updated listing from the furnisher on the XXXX XXXX  account on my results. all 3 of my reports read XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX XXXX On record until XX/XX/XXXX Equifax date of 1st deliquency XXXX XXXX XXXX putting the running of reporting time XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX XXXX On record until XX/XX/XXXX Equifax date of 1st deliquency XX/XX/XXXX putting the running of reporting time XX/XX/XXXX I've given all 3 credit bureaus a chance to fix these accounst by putting them on notice by bringing errors to their attention and they fail to comply under law. XXXX XXXX and equifax and also the furnishers of these accounts are doing illegal practices and improper procedures that must be handled accordingly. I have had enough damage done to my score and reports. I have done my part with disputing with these agencies and they continue to report inaccurate information AFTER the verify these accounts are reporting accurately. this is unfair to me and at this point everyone is violating my privacy rights. 

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

Re : CFPB Complaint XXXX there was an issue with the capability to make payments with Grain. The only customer service was in-app and non-responsive. After filing CFPB complaint, they successfully fixed their accounting issues. However, it took more than 30 days and they subsequently ( UNFAIRLY and UNJUSTLY ) put a 1 month past due notice on my account with all three credit bureaus, even though I made the payment as soon as was possible given their internal problems. I have made numerable attempts to have them remove this late payment designation from my credit but Grain remains unresponsive.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you must eliminate any inaccurate accounts from my credit report. Could you please verify the documents? Some of the accounts have reporting inaccuracies, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as they are fraudulent and were not authorized by me. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX  XXXX Late Payment {$6700.00} XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Payment {$0.00} XXXX XXXXXXXX Late Payment {$350000.00} XXXX XXXX Late Payment {$260.00}
Product: Credit reporting or other personal consumer reports

I'm requesting for the company to reinvestigate the following errors on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ EMPLOYER : XXXX XXXX XXXX Inquiries : XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXXXXXX  XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX  Date of Inquiry:XXXXXXXX  XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX  Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXXXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on a paid account with XXXXXXXX XXXX, paid in full account with XXXX  XXXX and fraudulent account with XXXX XXXX XXXX I am not able to see the account numbers completely on the website. Experian has not followed up with these investigations. I recently was informed that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information and failure to notify consumer of results. I unfortunately am a victim of this situation due to Experian not removing these accounts off of my credit report. I am requesting these derogatory remarks to removed and corrected immediately please!! These are affecting my chances of getting my life established properly for myself and my children. My rights as a consumer have been violated by Experian as well as federal laws.
Product: Debt collection

They call me 3-5 times a day and on numerous times I have requested written communications only. I have requested Debt Validation months ago and still have yet to receive anything. Also call my family member and harass them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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
Product: Credit reporting or other personal consumer reports

i notice a account on my credit so i contacted the company. ( Credit Collection ) during the conversation they kept referring to me as XXXX XXXX and assiated a address that had nothing. to do wit me ( XXXX XXXX XXXX XXXX ). i inform them that that wasnt me and they continue to to ask me question trying to pry information out of me so they could try tocorrect there file. the second company ( XXXX XXXX XXXX  ) i had the exact experience as the first company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax again. On XX/XX/2023, I sent Equifax XXXX documents by certified mail to block and remove fraudulent accounts from my credit report because I am a victim of identity theft. On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX 2023, I called Equifax at XXXX Now. Keep in mind neither XXXX of the Equifax Agents are US based. And it was very difficult to understand because of there language and comprehension is XXXX XXXX Bad. Nevertheless, it was confirmed that the documents was received. And in the cover letter I clearly stated that, I wanted to block and remove fraudulent accounts from my Equifax Credit Report I included XXXX documents 1. Cover letter, 2. Copy of FCRA SECTION 605B 15 U.s.C 1681c- 2 which give Credit Reporting agencies the power to block fraudulent accounts. 3. FTC REPORT 4.POLICE REPORT 5.Copy of SS card 6.Copy of Driver license 7.Proof of address. Now with all of the information needed to block the said fraudulent accounts with in the 4 business days as prescribed by law, I have attached to this report all 11 documents I Sent Certified Mail to this company as exhibit ( A ). And Exhibit ( b ) is the certified mail receipt. After taking to the people at Equifax I was told that we can't block the information from my report this is Equifax policy and procedures and it's in dispute, the letter clearly stated I wanted to block and remove fraudulent accounts from my report so therefore I have to wait 30 days to investigate. Keey in mind that I disputed this before and nothing was done. EQUIFAX INFORMATION SERVICES AND ITS OVERSEAS AGENT ARE XXXX AND IM ASKING THE OUR FEDERAL GOVERNMENT DUE SOMETHING ABOUT THESE CREDIT REPORT AGENCIES NOT GOING BY AND MIS HANDLING TITLE 15 SECTION 1681 THESE CREDIT REPORT AGENCIES DOING WHAT THE XXXX THEY WAN NA DUE WHICH IS WRONG SO THERE THIS TIME I WANT PUNITIVE DAMEGES AS PROSCRIBED MY LAW..
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}
Product: Debt collection

I have received a collection notice from Integral Recoveries of XXXX, XXXX  alleging that I owe {$160.00} to Colorado Dept. of Revenue acct no XXXX for period ending XX/XX/XXXX however, I no longer live in XXXX  and filed my tax return in timely fashion with a REFUND owed to me for XXXX that XXXX  still has not paid. I was forced to retire in XX/XX/XXXX, moved to XXXX  in XX/XX/XXXX, and XXXX   took money out of my pension because they claimed I was still working in XXXX. XXXX  continued to collect tax on my pension in XXXX in violation of law but when you waste so much money as XXXX  does, then you have to harass former residents. I have never hired Integral Recoveries and owe NOTHING. They are threatening to harm my credit record which is an illegal shake down of a senior citizen, and they are fully aware of the lawless behavior of XXXX  under the direction of XXXX XXXX, former director of Colorado Dept of Revenue. Colorado has a part year exemption for income that should have applied to my pension and they FAILED to do so. I owe XXXX  NOTHING. The alleged debt does NOT detail how the debt was calculated but is clearly in error. I am requesting that Integral Recoveries cease and desist immediately, and that they be forced to pay me for my time used to respond to their false allegation of not less that {$150.00}.