23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote to Transunion, XXXX, & XXXX   in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote XXXX about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote TransUnion, XXXX, & XXXX  informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from Transunion from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX   on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. XXXX  as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my credit report.
Product: Debt collection

I found a collections account on my credit. Many red flags were noted by the collections company yet, they want to charge me to dispute it. I believe the account is fraud and the are no records of late payments or past due notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past XXXX months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.
Product: Credit reporting or other personal consumer reports

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it's just a malfunction or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I could never worry again from this.
Product: Credit reporting or other personal consumer reports

I have added Equifax to remove a medical bill from credit report, and it hasn't been removed. XX/XX/2023, XXXX XXXX under {$500.00} would no longer appear on consumer credit reports. I requested removal on XX/XX/2023, and it hasn't been removed. I didn't ask for debt validation.
Product: Debt collection

per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given OMNI FINANCIAL OF NEVADA written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per XXXX XXXX XXXX Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under XXXX Form of opt out notice to consumers ; opt out methods, XXXX CFR XXXX ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. 
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with XXXX. 
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
( g ) Duration of consumer 's opt out direction. 
( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 



OMNI FINANCIAL OF NEVADA DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER BUT I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO OMNI FINANCIAL OF NEVADA
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS [ account_name, account_number, dispute_instruction ] [ public_records, dispute_instruction ] INQUIRIES [ Inquiries, dispute_instruction ] PERSONAL INFORMATION [ personal_Information, dispute_instruction ] Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax have contributed to their continued presence. 

Legal Obligations Under the FCRA Under the FCRA, Equifax is legally required to : Ensure the accuracy of consumer reports. 
Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$7400.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00}XX/XX/XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX {$230.00}XX/XX/XXXX XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX #XX/XX/XXXXXX/XX/XXXX -- {$0.00}XX/XX/XXXX XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXXXX/XX/XXXX# XXXX XX/XX/XXXX XXXX {$0.00} XX/XX/XXXXXX/XX/XXXXXXXX # XXXX XX/XX/XXXX XXXX {$0.00}XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} XX/XX/XXXX# XXXX XX/XX/XXXX -- {$2900.00} XX/XX/XXXX XXXX XX/XX/XXXX -- {$530.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Bank account or service

I have been getting automated calls from ( they say ) Citibank for someone who does not and has never lived at this address/phone. After following prompts to indicate that they have reached this number in error the calls just kept up, several every day. They give a phone number to call if the automated system does n't take care of the problem. I called that number ( XXXX XXXX ) on XX/XX/2015, was connected with a pleasant operator who apologized for the problem and was told my number would be removed from the system immediately, this did not happen, the calls not only have kept coming but have increased in frequency and have even started coming in the middle of the night. I have never been a Citibank customer and I do not know anyone with the name of the person they say they are trying to reach. I really would like to see these calls stopped.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I became aware of a debt in collections by a change in my credit report in XX/XX/XXXX. I did not receive any written notice. I contacted my previous rental company to whom the debt is owed but was told they could not help me and that I needed to speak with the collections company. I contacted the debt collector and asked for proof of the debt as well as any other information they have on file. They said they acquired the debt in XX/XX/XXXX from XXXX XXXX about an outstanding balance from my move-out in XX/XX/XXXX. They provided me with an account statement from XX/XX/XXXX, however the balance of the statement is {$0.00}. The statement shows that all charges are accounted for and the account is settled. The collections representative insisted that I owed over {$1500.00} for damages listed on the statement. While the amount charged for turning over the apartment appears on the statement as damages, those charges are also reversed at a later time on the same statement bringing the amount to {$0.00}. I lived there for 3 years and there were no major damages, only normal wear. The representative also provided me with a set of photos post move-out that also show no damages. We walked through the statement several times however he did not agree that the {$0.00} balance on the statement meant that nothing is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX Incorrect dates!!!!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Bureaus for Incorrect Reporting After Disputes Dear CFPB, I am filing a formal complaint regarding the inaccurate and unfair reporting of my credit accounts. I have been disputing several charge-off accounts, and after initiating these disputes, I noticed that the credit bureaus have now also marked these same accounts with late payments. This appears to be an act of retaliation or improper reporting, as these accounts were already in dispute.

This violates my rights under the Fair Credit Reporting Act ( FCRA ), as the information being reported is inaccurate and damaging to my credit. I request an immediate investigation and the removal of these unjust late payment notations.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX I received a text stating there were transactions made with my account, I text back stating it was not I. I began receiving email notifications that there were an added payee and three wire transfers going out out my account. In the many years I have been a client I have never had a payee or set up wire transfers. Someone hacked into my account. I immediately find a cab to the nearest bank to block any transactions. The following day they transfers were allowed out of my account to a fraudulent account to a XXXX XXXX in XXXX XXXX XXXX. I am from XXXX XXXX, I stopped by the to make a police report, FBI report online and call Citi Bank to address the issue for two months now. Citi Bank is refusing to return my funds, blaming XXXX XXXX. I am a single mother who's lost her job during the pandemic, my family XXXX not have a home due to rent not being paid. The amounts were of XXXX, XXXX and another XXXX. None of which has been returned to my account. I need help. Citi Bank has done nothing to help. I have never given authorization for any of my money to be released, no one has ever called me from City Bank to ask for any verification to release my funds, again, I closed my account on XX/XX/XXXX, my funds were released on XX/XX/XXXX to XXXX XXXX via wire transfer without my permission. They mentioned that I " neglected '' my account by providing a code to a person over the phone ( the person who was ALREADY set up all transactions made and hacked into my account ) Yes when they called I believed it was a representative from Citi Bank. However, I not provide any personal information what's so ever, the person actually asked me to hold on until they " transfer '' me to " someone else '' as I explain to them that I was heading to my bank. I have the text until this very day, I closed my account as soon I could reach the bank in time. However, after blocking my account Citi Bank transferred my funds on XX/XX/XXXX, without reaching out to me, even when noticing suspicious activity, unfamiliar devices that were used while making these wires. This information was provided by XXXX from the wire department who pulled up this information on file.
Product: Credit card

I have a Meijer, Best Buy and Home Depot Credit Card with Citibank. I have used the paperless billing statements for a number of years. This month the process on the online account is not allowing the downloading of the pdf. This means that the creditor is unable to provide the required periodic statement. The only information available is a down load of transactions. 

I am tired of this since all other credit card companies have a specific process to download a pdf of the periodic statement,
Product: Debt collection

On XX/XX/XXXX I received a phone call from National Credit Systems of XXXX, GA saying that I owed money on an account for which I was the co-signer ( the account was for a rental apartment for my  granddaughter [ XXXX XXXX ] in XXXX, OK ). I told the " customer service representative '' that I would look into it. The " customer service representative '' ( who gave the name " Miss XXXX '' ) told me that the account would be put into dispute. After communicating with the landlord at XXXX XXXX I discovered that the collections agency was trying to collect a debt on the XXXX of XXXX that was not due until the XXXX of XXXX. The landlord 's representative acknowledged their error and said they would fix it with the collections agency. 
On Monday I called the collections agency to verify that the debt had been cleared. I spoke with the same " customer service representative. '' I reminded her of our conversation on the previous Friday and that the landlord 's representative would be sorting out the issue with them. The " customer service representative '' told me ( essentially ) that she didn't know about any clearing of the debt, that the debt was not in dispute ( despite what she had told me on the previous Friday ), and that I needed to pay the debt " now '' or else it would go onto my credit report ( " we put things on people 's credit reports every two weeks '' ). The " csr '' was unwilling to listen to anything I had to say, repeatedly interrupted me when I was mid-sentence, and kept telling me that I had to pay the debt. Additionally, I had not received any mail notification of the supposed debt prior to the call. Also, the company masked their identity and location by using a phone number with a XXXX MA area code.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report a distressing incident involving unauthorized withdrawal and fraudulent activity on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX, {$2000.00} was unlawfully withdrawn without my knowledge or consent. 

Despite my immediate action to report the incident to Wells Fargo and provide detailed information, including dates, amounts, and account specifics, they closed my case without addressing the clear evidence of fraud. Additionally, further investigation revealed unauthorized phone transfers from my savings and the use of a new debit card I never received. 

What is particularly alarming is that Wells Fargo 's security protocols, which typically alert me to withdrawals over {$500.00}, failed to function in this instance, raising serious concerns about their ability to safeguard customer accounts. 

I seek your urgent intervention to rectify this situation, ensure a thorough investigation, and hold Wells Fargo accountable for reimbursing the stolen funds and implementing robust security measures to prevent such incidents in the future. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I noticed on my recent credit report a collection agency has been reporting for an XXXX XXXX XXXX  account, I don't owe the collection company at all I never entered an agreement with them. I need the collection agency to show proof of my signatures stating I agreed to a debt owed with them. They are committing identity fraud by knowingly furnishing information on my credit report that they weren't privied to. I want this company to remove all information regarding this debt from the credit reporting agencies which include Experian, Equifax, and Transunion.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX
Product: Debt collection

Firstpoint Collections is trying to collect on medical debts that were a result of medical fraud/identity theft. I have disputed the debt with credit bureaus but Firstpoint continues to verify when all they can really do is validate. the debt ca n't be properly validated because it 's a result of fraud. I have sent the necessary paperwork and have submitted the original police report but still no resolve. I 'm filing this complaint as non compliance under the FDCPA and FCRA