23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My name is XXXX XXXX. In XXXX, my Identity has been stolen, so the same XXXX  people used my information and opened many accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys credit card XXXX XXXX Massachusetts. l got those bills in XXXX. I reported to the local police department and the Identity XXXX. I reported the fraud claim to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX verified my pieces of information and were settled and solved. For the Macys credit card ( XXXX ), the total amount is {$20000.00}. l claimed on the phone in the middle of XXXX. I got a letter from Macys responded in XXXX, said that they need investigation for this case without asking any identifications, personal information. 
In XX/XX/XXXX. I got the letter from Macys credit card company, it said that we have determined that l am responsible for the charges in question from the completed investigation. How could Macys credit company without requiring any informations from me and determining l need to responsible the bills. Please help me to solve this issue.
Product: Debt collection

Debt collector called me several times at my place of employment even after I asked them not to more than twice. This debt was also submitted to a debt collector without XXXX XXXX   XXXX Hospital informing me of this outstanding balance. The company closed and did not inform me of closure or outstanding bill, just went ahead and submitted to a debit collector without the chance to make payments.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ACCOUNTS/INQUIRES/ COLLECTIONS XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. 
XXXX : XXXX XXXX XXXX UCC 1-308
Product: Credit card or prepaid card

Credit card company upgrade approved me for XXXX credit amount with an option to transfer old credit cards balance into the upgrade account I transferred the amount of XXXX from my XXXXXXXX XXXX XXXX  The following week upgrade dropped my approval amount down from XXXX to XXXX approval amount.. Placing my upgrade credits card in high and risky on my credit report downing my credit down several points.. Putting my credit account in disarray in freefall
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach that resulted in identity theft, and the information listed below does not belong to me. Under 15 USC 1681c- 2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be blocked and removed from my credit file.

Fraudulent Accounts XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2600.00} XXXX. XXXX  XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3100.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$480.00} XXXX. XXXX  XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$2500.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$10000.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$6100.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Debt collection

Subject : Unlawful Debt Collection and Reporting Practices by Rent Recovery Solutions Details : 1. Failure to Validate Debt 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g Rent Recovery Solutions failed to provide validation information within five days of their initial communication, as required under 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g. Without validation, I can not verify the legitimacy of this alleged debt. Rent Recovery Solutions failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they reported a collection account on my credit report.

2. Lack of Opportunity to Dispute Debt 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been provided with adequate notice of my right to dispute the debt or clear instructions for disputing it. This denies me a basic consumer protection afforded by law. I was not informed of my right to dispute the debt under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which is a clear violation of federal law. 

XXXX. Failure to Provide Original Purchase Agreement : Despite my formal request, Rent Recovery Solutions did not furnish the original purchase agreement or assignment of the alleged debt from the original landlord. This failure denies me the opportunity to verify the debts accuracy and legitimacy, violating 15 U.S.C. 1692g.

4. Additional Unfair Practices in Rental Debt Collection : The agency failed to disclose itemized charges and any agreements between the original landlord and Rent Recovery Solutions, which violates FDCPA provisions for transparent communication and debt validation ( 15 U.S.C. 1692g ). Furthermore, they may have improperly added fees not authorized by the original lease agreement, violating 15 U.S.C. 1692f ( 1 ).

5. Unlawful Inquiry on My Credit Report : An unauthorized " soft pull '' was conducted on my credit report without a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. 

6. Violation of FCRA Rules on Obsolete Information 15 U.S.C. 1681c The alleged debt is reported beyond the time limits allowed by the FCRA, as it exceeds Louisianas statute of limitations. Including outdated or misleading information in my credit report harms my consumer rights.

7. Failure to Ensure Accurate Reporting Violations of 15 U.S.C. 1681s-2 and 12 CFR 1022.42 As a furnisher of information to consumer reporting agencies, Rent Recovery Solutions is required to ensure the accuracy and completeness of the information they report. Failing to validate the debt before reporting it violates these legal obligations.

6. Furnishing Inaccurate Information : Rent Recovery Solutions did not provide complete and accurate information to consumer reporting agencies, violating 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2.

I am prepared to provide : A copy of my credit report highlighting the disputed entry and unauthorized credit inquiry.

Relevant state statute information on Louisianas debt collection and statute of limitations.

Correspondence or lack thereof from Rent Recovery Solution.

Sincerely,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX and addresses and inquires. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

The Following Accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Account 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 sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXXXXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Calling every other day after being asked repeatedly not to call and ask to be on the do not call list
Product: Credit card or prepaid card

I called to request a copy of my Bank Statement and Credit Card User Agreement but the representative I spoke to kept me on the phone for so long and finally ended the call from their end.
Product: Credit reporting or other personal consumer reports

Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, XXXX left with no resolution. This isnt just an inconvenienceits affecting my financial stability and mental well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : 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 via XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
Product: Checking or savings account

I requested a wire be sent ( {$950.00} ) on XX/XX/XXXX. It was not sent. I was not told why. I asked for the fee to refunded. I was told no and not giving a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am with Credit repair and they removing negative Items off my report and the collection place put two of them back on the name of them are Cosumer collection management for XXXX and the other one is XXXX XXXX {$560.00} and {$550.00}
Product: Mortgage

In XXXX of this year I noticed that my statements started coming with a credit, un-applied funds on my monthly statements. I wrote to Ocwen Loan servicing via there web page at that same time asking what this credit is for. I then called directly to Ocwen after no response and was told to take the un-applied credit if its there. I wrote again asking if this was an incentive for modifying our loan, again no response. This month I received a check from Ocwen for {$1.00} over payment on my escrow account. Yesterday I received a letter from Ocwen stating that my escrow account was short. I have been asking Ocwen for 6 months with no response and now my monthly payment is going up.
Product: Debt collection

XXXX keeps calling me even after I have asked them to stop on a recorded line. Furthermore, they will not give me access to my online account so that I may pay my bill. The access issue, as I 'm a  XXXX citizen has caused my account to go past due. Due to the late mark, I am now unable to finance my medical needs. I am requesting that XXXX removes the negative mark and accept payment for the account, but to please give me online access so that I may make the payment. XXXX XXXX 's offshore agents have been less than helpful and seem to have limited access to any helpful information and are hard to understand. Please communicate by mail only. RE : Account ending in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding an unexplained XXXX decrease in my credit score. Despite no new charges or changes to my credit report, my score dropped significantly, affecting my ability to obtain credit.

I have contacted TransUnion requesting an explanation and documentation for this change, but I have not received a satisfactory response. This situation has caused undue stress and financial hardship.

I kindly request the CFPBs assistance in investigating this matter and ensuring that TransUnion provides a valid explanation or restores my credit score to its previous level.
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem I am having withe these credit reporting bureaus they don't do a proper investigation to the disputed items I have on numerous occasion submitted disputes with experian/XXXX/and XXXX that meet all the fcra guide lines and they come back verified and updated in 10 days or lees as then I ask them of there method of verification and I have also requested these things in writing and I Never have gotten them either all I want is a fair and accurate credit report that's afford to me by the fcra these company are breaking the law in a numerous ways by not being transparent and they will not comply to the rules of the XXXXexperian lies about how they verify accounts they verify my accounts as accurate and these accounts are not attached to an address or my name and they refuse to there jobs by removing them and XXXX sends stall letter thing to buy more time or on most cases they just don't respond or when they they just refuse todo an through investigation so they XXXX verify and says it updated and XXXX never responds within the 30 days allotted and they always come back updated and verified with no thourgh invetigationand most of all none of these bureaus do a thorough investigation on any of these disputes and the consumer has no chance at a fair and accurate report as supposedly afforded them by the FCRA
Product: Credit reporting

XX/XX/XXXX, I submitted the information/dispute below through your office and included supporting documentation (case #XXXX) due to an error on my XXXX Report.  They favorable resolved the issue.  Thank You!  However, I just discovered that EXPERIAN is reporting the erroneous information.  As a result, I sent them the supporting documentation and even referenced this case.  However, they refuse to remove the information and they informed me that it was verified years ago.  I gave them the name of the state representative, just as I did here and the name of the Clerk of Superior Court in XXXX (original attachments).  Yet, they still refuse to remove the file.  Please help!!

FROM THE ORIGINAL COMPLAINT:
While attempting to obtain credit, I learned that I had a state lien on my credit file for unpaid taxes as a result of an out of state vehicle purchase.  After working with the state agent (XXXX) and resolving the matter, it was determined that the amount was incorrect and that taxes had actually been included in the loan.  However, it was not enough and not appropriately applied.  At the same time, I was unaware of this fact.  Thus, the state made the correction by altering the amount, updating the file and correcting the error.  Thus, I paid the corrected difference.  However, the original amount shown on my credit file as a paid debt.  I visited my local tax office, for they are aware of the amount paid, etc. and was informed by the tax office (XXXX) that they did not report the information.  A third party apparently sold it to the bureau and they are reporting it inaccurately.  I have disputed the entry and supplied supporting documents.  However, the credit bureau refuses to remove the inaccurate information.  
I want all of the information related to this entry removed.
The attached Public Record is from XXXX.  I'd like to ensure that it doesn't appear on any of the credit reporting bureau files.
Product: Credit reporting or other personal consumer reports

Theres a collection account on my XXXX, XXXX and Experian credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX for a balance of {$4100.00}. This not my account and should be deleted of my credit report. I'm going to try to upload some government ID 's to help prove my identity.
Product: Checking or savings account

Hello, I opened online an platinum checking account with a {$400.00} promotional bonus after certain requirements are met. I have tried for a week to confirm that my account is coded correctly as I have received no confirmation of the {$400.00} bonus is attached to my account. 
1. An online inquiry sent on XX/XX/18 has gone unanswered as of XX/XX/18. 
2. A call to customer service has been met with we do not have that information.

3. A call to web account opening department has been met with we can not see that information.

4. A transfer from # 3 above to the sales department had me transferred back to # 3 above.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Experian for failing to correct inaccurate information on my credit report and not conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to Experian, the following inaccuracies remain unresolved : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has either failed to respond or has provided inadequate responses that do not address the issues raised. I am aware that the CFPB has recently filed a lawsuit against Experian for similar violations, alleging that they have conducted sham investigations and unlawfully reinserted inaccurate information into consumer credit reports. 

I request that the CFPB investigate this matter and require Experian to correct my credit report accordingly. 

Sincerely, XXXX
Product: Debt collection

Security Credit Services Subject : Dispute of Collection Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the collection account placed on my consumer report. The collection agency has not provided the necessary validation information required under 12 CFR 1006.34 ( b ) ( 5 ), and yet, the account has been reported to the credit reporting agencies. 
Additionally, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As such, I believe my consumer rights have been violated.

The collection agency is using false, misleading, misrepresentation, and deceptive means in its efforts to collect this debt, which is a clear violation of my consumer rights. Moreover, the agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

Given these violations, I am requesting the immediate removal of this collection account from my consumer report. Failure to comply with this request will leave me no choice but to pursue further legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



Date Opened XX/XX/year> Balance {$3000.00} Please acknowledge receipt of this letter and confirm, in writing, that you will remove the collection account from my consumer report. I expect a response within 30 days from the date of this letter. 


Thank you for your prompt attention to this matter. 

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

The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On Thursday, XX/XX/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for XXXX. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted XXXX account services, and they provided me with information on the alleged agreement including a DOB and a Social Security number that belongs to MY FATHER, not me. My father and I share a name, he obviously is XXXX, and I'm XXXX XXXX has the correct information, whereas their debt collector Debt Recovery Solutions has unlawfully obtained my social security number and somehow are trying attach it to this alleged debt. I contacted Debt Recovery Solutions informing them of their blatant irresponsibility and contacting /harassing the wrong person. They demand I make a police report, and refuse to correct the issue. They need to be investigated thoroughly for their unlawful business practices. This is not my debt, nor has it ever been my debt. To date they have refused to provide me with the documentation.