23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( FCRA ), a crucial legislative framework established to safeguard the rights of American consumers concerning credit reporting, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : DEPT OF ED/XXXX Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX  Open/Closed Status : Closed Status Update : XX/XX/ Account Type : Installment Status : Pays account as agreed Balance : {$2300.00} Balance Update : XXXX XXXX XXXX  Original Balance : {$2300.00} Past Due Amount : {$0.00} Responsibility : Individual Account Upon reviewing the reported information, I have identified discrepancies and concerns related to the status and payment history of this account. Specifically, the reported " Pays account as agreed '' status and the characterization of an " Unknown payment history '' are inconsistent with my understanding of the account 's financial activity. Furthermore, the reported balance and original balance do not align accurately based on the account 's reported status. 

I wish to emphasize the significance of the FCRA, specifically the following sections : 15 U.S.C 1681 Section 602 A : This section underscores my right to privacy and the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This provision establishes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal mandates and the inconsistencies present in the account reporting, I formally request a comprehensive investigation into this matter. I expect XXXX to diligently address the disparities, rectify the inaccuracies, and ensure the reporting is consistent with the principles laid out in the FCRA. 

Furthermore, I assert my right to cease all communication tactics related to this account. I anticipate no further communication attempts from any involved parties, including debt collectors. 

Your prompt attention to and resolution of this dispute are highly anticipated. I trust in your dedicated efforts to address this issue and uphold accurate and equitable credit reporting. Thank you for your cooperation and dedication to the fundamental principles of the FCRA.
Product: Credit reporting or other personal consumer reports

i just checked my credit for the first time and realized i have inquirires and accounts that are not mine, i need help in removing all these negative accounts that have never belonged to me. XX/XX/XXXXXX/XX/XXXX NONE OF THESE ITEMS ARE MINE AND HAVE NEV BELONGED TO ME.15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete
Product: Debt collection

states its from a payday loan during my service time in Texas 10yrs ago. Military was not allowed to do payday loans at that time and most places would not even let you apply. But i receive repeated calls over the last 9 months. Will not verify debt. Requested debt be sent back to original debtor for proof of debt, Dynamic Recovery explained it would take 1 week to not receive calls anymore. That was XX/XX/XXXX. Most calls hang up on me, others will be rude and dismissive and never will a voicemail be left. Most recent call today XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Transunion. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Transunion received it on XXXX XXXX. I called Transunion on XX/XX/XXXX I was told that my Identity theft report did not meet Transunion 's criteria. So they disputed all the accounts with the creditors. And that I needed to send in another Identity theft report along with my Drivers License, social security card, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them. I know both times I submitted fully complete and legible documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.
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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries reporting on my TransUnion XXXX XXXX credit report which i never authorized or applied for myself. i have contacted each bureau and informed them that these inquiries are a result of identity theft and have yet to hear back from either bureau and said inquiries are still being reported on my credit report.

As per 15 U.S. Code 1681c2 of the fair credit reporting act : 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.

i am requesting the immediate removal of said inquiries from my TransUnion XXXX XXXX Credit report in accordance with 15 U.S. Code 1681c2 of the fair credit reporting act TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these inquiries stated above were not authorized by me and as such are a result of identity theft, they are still being reported on my credit reports as of XXXX & are negatively affecting me in. 

I demand these Inquiries be removed from my report immediately in accordance with 15 U.S. Code 1681c2 or i will be forced to proceed litigation against the bureaus with which they are being reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. The payment status reflects 30 days late with XXXX and XXXX when the account is paid in full. It reflects current with Equifax. The dates of last payment are wrong - Equifax reports XX/XX/23, XXXX and XXXX report XX/XX/23. XXXX and XXXX  report XXXX as 30 days late, but current with Equifax. Equifax reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. Equifax reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment on my account and i have paid the fee and my bill in full and they will not remove the late payment fee from my credit report. I have contacted XXXX XXXX XXXX on XX/XX/2019for a forgiveness and they failed to since i payed the fee i have never been late ever and the problem was that why i was late was i opted to paperless statements and i told them i never did so and if i did they still havnt sent my statement please forgive my error on my late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and applied to a property. The property uses saferent and my profile is frozen due to the theft. Well safe rent denied my application and also didnt contact me to have the freeze lifted and i paid the application fees for the home. this service is being sued for violating the fair credit act and targeting Minorities
Product: Debt collection

Billing amount is not accurate - Correct amount XXXX Billing date is not accurate - Correct date XX/XX/18 Incorrect account # - Account number ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting I owe XXXX and XXXX from XXXX which I had filed Chapter XXXX Bankruptcy and was discharged XX/XX/XXXX. My ex has never refinanced and removed my name and won't. It looks like I am in dedt XXXX and I only am my own debt XXXX. My credit score has gone down 54 points. This was 10 years ago and all of the sudden it pops back up on my credit report, being reported by XXXX. I worked very hard to rebuild my credit. I was these 2 off my report. I have called XXXX   and email and sent bankruptcy papers and no response from them.
Product: Prepaid card

We received and {$650.00} American Express Egift card. We have attempted to use it at multiple stores online and in person for various amount under {$650.00} and all have been declined. We spoke to American Express about it and they confirmed the card is active and ready for use but were unable to help us. We have seen that this is happening to a lot of people with American Express gift cards they can not use.
Product: Credit reporting or other personal consumer reports

* Dear Sir/Madam, This letter serves as a formal demand for validation and verification of the debt on my credit report from University of XXXX . I am requesting that you provide me with all original documentation from the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, to prove the validity of this debt. I challenge the legality of the debt sale without written permissible purpose, citing 15 USC 1681 and any relevant subsection. 
Additionally, I demand proof of licensure on behalf of all parties involved, including the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX. This will help to ensure that all parties involved are legally authorized to collect this debt and that my personal and private information is being handled appropriately. 
Please note that I am not refusing to pay, but I am requesting that you provide me with the necessary documentation to verify the validity of this debt. I am aware that I have the right to dispute this debt and request written evidence of it from the debt collector within 30 days of receiving a debt validation letter. I am also aware that it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector to refuse to send a validation notice or fail to respond to my verification request. 
I demand that you remove the associated negative trade line notations from the credit reporting agency reports until you have provided me with the necessary documentation to validate this debt. I also demand that you forward this letter to the original creditor, University of XXXX, and the debt buyer, XXXX XXXX XXXX, at the addresses listed On the Credit report. 
Original Creditor : University of XXXX Debt Buyer : XXXX XXXX XXXX Address Unknown Furthermore, I demand that you provide me with the full name and address of the original creditor, University of XXXX XXXX, at the time the debt was sold, as well as the account number associated with the debt. I also demand that you provide me with the name and address of the debt buyer, XXXX XXXX XXXX. 
Please make sure that all communication regarding this matter is in writing and sent to the following address : XXXX XXXX XXXX XXXX XXXX, Ar XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached copy of FTC report. Someone has used my identity to obtain loans and credit. please remove these accounts from my file as it is causing undue hardship on me. 

I have requested previously information to be removed including names, address, ssn, etc. from my credit files. please remove this information to prevent any further misuse of my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX u s c 1681 EB whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Time of payment 15 u s c 1666 B A creditor can not consider a payment on an open end consumer credit plan as late unless they have mailed or delivered the periodic statement to the consumer at least 21 days before the payment due date.

I am requesting 1. periodic statement 2. Information from 1637B 3.mail or deliver 4. No later then 21 days or less 5. requesting mail tracking number of mail back date from recieve, negative information law requirement 1681a ( p ) shall provide notice information
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A COLLECTION ACCOUNT SHOWING ON MY CREDIT REPORT THAT NEEDS TO GET DELETED BECAUSE IT WAS PART OF MY IDENTITY THEFT CASE A FEW YEARS AGO.
Product: Credit reporting or other personal consumer reports

There is a U.S. Bankruptcy Court item on my XXXX credit report. Per the FCRA 623 ( A ) ( 5 ). If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts have mailed me a letter which emphatically stated that they do not provide any information to credit reporting agencies nor do they ever validate and/or confirm public records. It is the credit reporting agencies and/or other third party providers who collect information regarding public cases from public records. Public records information is Never validated by U.S. Court System due to the Fair Credit Reporting Agency Privacy law. My inquiry to the U.S. Bankruptcy Courts confirmed XXXX has Never validated or verified the public record entity on my credit report neither will they ever be by them. They further stated while they are not liable responsible for any misuse or incorrect public records nor the distribution of said information public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly considering the information indicating a fair credit reporting violation. I need all bankruptcy information currently showing under my social security number to be Permanently Deleted from my credit report immediately. The XXXX Credit Agency needs to provide me with copies of all documentation associated with this public record account bearing either a court order to place this information on my credit report or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the federal law you have exactly 30 days to complete this investigation as outlined per the fair credit reporting act 623 ( A ) ( 3 ). Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your reporting services could fax, email, or mail fraudulent and erroneous account information. As such if this unauthorized public record information is not deleted from my credit report with 30 days I will be filing a complaint with the federal trade commission. Failure to respond in a satisfactory manner within 30 days of receipt of this letter will be interrupted as defamination, negligent, enchantment of identity fraud violation of the FCRA. 15 USC 1681b, 15 USC 1681q, 18 USC 1028A, 15 USC 1681c-2
Product: Mortgage

I had an FHA home loan with PHH Mortgage Company until XXXX XXXX, 2016. On XXXX XXXX, 2016, a corporate relocation company acquired my home to eventually settle on the house with private buyers. Therefore, I was not required to make a XXXX mortgage payment. I cancelled my automatic draft online at XXXX ( PHH Mortgage Company ) on XXXX XXXX, 2016 ( Sunday ) but their system took 4 days to load, and I could not call anyone to confirm since they are not open on Sundays. My XXXX mortgage payment automatically drafted {$1800.00} ( and change ) from account. On XXXX XXXX, 2016 I contact PHH mortgage to request a refund because the relocation company paid the XXXX mortgage and has confirmation of doing so. I faxed a formal request that same day and was told I would receive the refund in XXXX10 business days. On XXXX XXXX, 2016 I called back asking for the status since I had not been refunded. I was told that they had send a check in the mail, but that they would contact their cash management group to re-send a check. I was told to call back the next day to ensure this happened. When I called, I was told that I might not be able to receive a refund because my account would become delinquent, and was asked to call back a week later. Finally, after 6 calls, and over 3 hours either on hold or talking with a customer service rep, I was directed to a supervisor. On XXXX XXXX, the supervisor informed me that I can not receive a refund because then my account will become delinquent and will show negatively on my credit report. I explained to them that they have been double paid for XXXX, because the relocation company also has record of paying XXXX 's mortgage payment since they now own the home. It is XXXX XXXX, and they still have not issued me a refund for the overpayment in XXXX, and I was directly misinformed by XXXX of their customer service reps telling me that they had already issued payment to me earlier in XXXX, which I confirmed later on was not true. I also submitted my refund request on XXXX XXXX, 2016 and it took them until XXXX XXXX to review and advise me that they will not refund my {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account
Product: Credit reporting or other personal consumer reports

Sharing my non-public information to third-party. That's is a against the law! 

15 us code 6802 16 CFR 313.10 16 CFR 313 16 CFR 313.4 initial privacy notice to consumers are required. 
Privacy of consumer information I also didn't receive any disclosure or did they give me the chance to opt out of sharing my non-public information it's required by law. Limits on disclosure of non-public personal information to non-affiliated third-parties. Again I did not receive my notice, the disclosure letter nor did I have the opportunity to opt out. I did no consent to sell/share my non-public personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian blocks any access to their site from outside the USA, which is understandable given that credit reporting is a USA thing. 

But, they make it a hurdle for people who are working overseas, such as myself working for the XXXX XXXX XXXXXXXX overseas, or people XXXX in a military status to monitor their credit or pull credit reports. 

No one should have to purchase an external VPN to have to access their credit report. XXXX nor XXXX have such a block. ( Attached Screenshot )