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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX [ XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Request for Removal of Inaccurate Collection Account Dear Experian Dispute Department, I am writing to formally dispute the reporting of a collection account on my Experian credit report. The account in question, reported by XXXX XXXX, contains false and misleading information in violation of FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits deceptive and misleading practices by debt collectors.

Specifically, the collection agency has engaged in false reporting by [ explain the issue, e.g., reporting a late payment on a closed account, re-aging the debt to make it appear newer than it actually is, or misrepresenting the balance or status of the account ]. This is a clear violation of federal law and must be corrected immediately.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that Experian investigate this matter and delete the account from my credit report. If the collection agency can not provide accurate and verifiable information, this account must be permanently removed. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. If Experian fails to remove this inaccurate information, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Enclosed are copies of my identification and any supporting documents to assist in your investigation. 

I appreciate your prompt attention to this matter and expect a resolution within the legally required timeframe. 

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

I was notified by letter dated XX/XX/XXXX, that my personal information XXXX have been involved in a data security incident at XXXX XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX I enrolled in a free, two-year identity protection monitoring service ( mytrueidentity.com ) as directed in the letter from XXXX XXXX XXXX this service worked well until approximately XX/XX/XXXX, when the website mytrueidentity.com no longer allowed me to log on. I made repeated telephone calls to My True Identity representatives at XXXX on XX/XX/XXXX and XXXX, XXXX, however, none of their remedies have worked and my access to the identity protection monitoring services is not restored. 

This denial of identity protection monitoring services to which I am entitled is an intentional effort by TransUnion ( through their mytrueidentity.com website ) to deny me my rights based on my age. The remedies proposed to me during telephone calls to mytrueidentity.com representatives have been difficult to understand, unreasonably complex, require detailed computer knowledge, or, frequently, seek to shift blame to the individual computer operating systems and web browsers that I use, or to my internet provider. 

NOTE : The attached images are described as follows : " First Screen '' shows the mytrueidentity.com log on screen which had worked well since XX/XX/XXXX. 
" Second Screen '' shows the blank screen which immediately appears after entering my username and password. This screen would never load any further information to me to view.
Product: Credit card or prepaid card

Comenity Bank, approved me for a XXXX XXXX XXXX in early 2021, and is declining transactions for my card when it is informing me that I have the available credit to use the card. The reason stated by Comenity Bank, was that I " made multiple payments on the account, '' which I did in order to honor my credit obligation in paying the balance owed for the account, and to avoid paying interest. Rather than meet the terms of the account agreement for the card, by crediting payments towards the balance for the card, and releasing the available credit to reflect the available credit that I am told I have on my account dashboard when I log in, Comenity bank is falsely stating I have available credit that I am not actually able to use the card for. 

Comenity bank is further stating I must wait 7 businesses days for a block on my account to be removed for all credit use, when previous payments are well beyond the clearing time frame, and when I have only tried to keep my account current and make payments to meet my credit obligation. 

I offered to call my bank with Comenity on the phone so that we they can verify payments were cleared, and they did not accept this solution. This has caused unnecessary embarrassment and mental anguish.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I filed complaint # XXXX against Equifax for failing to abide to the federal law COPY OF MY REPORT again XX/XX/year> submitted more documentation to prove Equifax responses to be frivolous and delaying time SEE THREAD as of now open company reviewing and delaying, attached new documentation that there responses etc SEE ATTACHED there response and my request they have identified me as we FLAGED MY ACCOUNT AS A VICTIM OF FRAUD ( I HAVE NEVER BEEN A VICTIM AND NEVER REQUESTED A FRAUD ALERT ON MY ACCOUNT ) I only requested a consumer Statement to prevent future fraud, Equifax in whole as deliberately put a fraud alert on my account knowing the obstacles etc preventing throwing up flags to question anyone to extend credit in my name SEE DENIAL TO XXXX XXXX XXXX BECAUSE OF THIS then they pound me with there paid service to boost my score and tailor to my likings and results at this point I have nothing to dispute and or know what's correct and not because as of today XXXX I STILL HAVE NOT RECIEVED MY REPORT
Product: Credit reporting or other personal consumer reports

These inaccuracies are negatively impacting my score, and in turn, my financial stability. I have taken all the necessary steps on my end, yet I am still being penalized for information that is incorrect or unverifiable.
Product: Debt collection

Used debit card to pay for brother 's phone as Birthday present. Account debt is being targetted at me.
Product: Credit reporting or other personal consumer reports

I have attempted to have the company, First Advantage Consumer Disclosure CenteXXXX, address incorrect information on my background report. The report was produced for an employment purpose. I was told to request a dispute which I did but the errors in the report remained. I then requested a second dispute and the the errors still remained. I called First Advantage a third time at # XXXX XXXX and spoke with the same representative that I spoke with the second time I called, per his admission. He repeatedly spoke loudly over me and refused to listen then he hung up on me intentionally refusing to further address the ongoing problem. I have had two jobs with XXXX XXXX XXXX at two different times, one with XXXXXXXX XXXX XXXX and one more recently with XXXX. The report from First Advantage lists that I worked for both divisions ( XXXX XXXX XXXX XXXX XXXX  ) at the same time from XXXX, XXXX to XXXX, XXXX. I provided First Advantage with the correct dates of employment for XXXX and XXXX XXXX XXXX. I also provided the work # XXXX where my employment history can be verified. It is important that any background checks are accurate as I am still looking for employment and the next employer who offers me a job may use this same company, First Advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency has intentionally locked me out of my consumer report. I am attempting to view my consumer report and not being allowed to access the report. I reached out to the the company and the agents were being rude, disrespectful, abusive and tried to charge me to access my own information. I am very frustrated, annoyed and confused as to why this consumer reporting agency conducts itself in such an inequitable manner. I am demanding that I receive my complete consumer report by mail and am allowed to access my consumer report online immediately as I have attempted a consumer credit transaction and was told that I had been denied due to adverse information contained in the consumer report from this consumer reporting agency. When
Product: Debt collection

I am filing this complaint against Express Collections Inc. regarding an alleged debt they are attempting to collect, which I do not owe. The debt, as listed on my credit report, contains the following details : Creditor : Express Collections Inc. 
Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$830.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$830.00} ( Updated on XX/XX/XXXX ) Original Balance : {$830.00} On Record Until : XX/XX/XXXX At no point have I conducted business with Express Collections Inc., nor have I entered into a financial agreement with them. I have never received validation of this alleged debt, nor have I been provided with any documentation proving my liability for the amount they claim. 

Violations of Federal Law : Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXXg Under the FDCPA, debt collectors must provide proper validation of a debt upon request.

Express Collections Inc. has not provided any written validation of the alleged debt, which is a violation of my rights.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXsXXXX Express Collections Inc. is reporting inaccurate and unverifiable information to the credit bureaus. 
Under the FCRA, a debt collector must not report information that is incomplete, inaccurate, or unverifiable. 
Failure to Provide Legally Required Documentation If this debt was previously charged off by the original creditor, Express Collections Inc. must provide proof of how they obtained ownership of the debt and a copy of the original contract with my signature.
Product: Debt collection

The continuously call me at work, which connects you to an IVR that states, " I 'm calling in regards to an issue very recently filed within our office involving your name and social security number ''. Either hit " XXXX '' or call XXXX to speak to a representative. I hit " XXXX '' and a rep came stating he was an attorney and needs to verify my name and social security number. I refuse and ask what it 's all about. The gentleman at the other ends becomes belligerent and threatens to sue if I do n't clear up the matter at hand. Yet he does n't state what it 's about unless I give my name and ss #. The caller ID shows either XXXX or XXXX, which is a spoofed phone number. XXXX the XXXX number shows it 's a collection agency.
Product: Debt collection

NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX RE : Debt Validation Request ACCT # XXXX Dear NCB MANAGEMENT SRRVICE, This letter is sent in response to the alleged debt referenced as Account Number XXXX. I am disputing this debt in its entirety and request validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 


Under federal law, you are required to provide verification of this debt. The courts have upheld a debtor 's right to this validation ( see XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which states that a debt collector must provide sufficient documentation to substantiate the alleged debt ). 


To ensure compliance, please provide the following : XXXX. Documentation verifying that I am indeed the party legally responsible for the alleged debt. 



XXXX. The name and address of the original creditor. 



XXXX. A complete payment history, including the date the alleged debt was incurred. 



XXXX. Proof that your agency is authorized to collect this debt, including a copy of your license to operate in my state. 



XXXX. A detailed explanation of how the amount claimed was calculated, including fees, interest, or charges. 


XXXX. VERIFY THE DEBT by exhibiting Schedules XXXX - Balance Sheet, XXXX - XXXX - Deposit Liabilities, XXXX XXXX XXXX - Loans & Leases, XXXX - XXXX - Derivatives and off balance sheet items, XXXX - XXXX - Servicing, Securitization and asset sale activities. 


XXXX. Present an unaltered copy of the original security. 



Please note that failure to provide adequate validation is a violation of the FDCPA, as demonstrated in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Additionally, until this debt is validated, you are prohibited from engaging in further collection activity pursuant to XXXX ( b ). 


If you are unable to substantiate the validity of this debt, I request that you cease collection efforts immediately and update all credit bureaus to which you have reported this information to reflect that the debt is disputed, inaccurate and unverified. 


Please direct all correspondence regarding this matter to the address above. I look forward to your timely response within XXXX  days of receipt of this letter, as required by law. 


Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX has sold a debt to two separate companies, that have both reported to the credit bureau 's and negatively affected my scores. I did not receive a debt verification letter from either collection company at all, or within 5 days of first contact. I am attaching proof of the DOUBLE REPORTING that entails the name of one of the companies, Credence Resource Management. Please have them remove the collection account from my credit report and cease all attempts to communicate with me. 

Thank you.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i notice that I've been a victim of identity theft and found numerous credit inquries I have no knowledge of here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

TRANSUNION, XXXX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto lease with VW XXXX  XXXX  XXXX  services. Due to XXXX XXXX Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, VW reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I applied for credit with NetCredit and was denied due to my credit report. According to the Equal Credit opportunity Act being denied credit based on your credit score is discrimination. My denial of credit because of my score is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the bankruptcy court in XXXX. I ask them do they report to the credit bureau. The clerk said no. I receive the bankruptcy letter from there website where the clerk told me to go. They do not report any bankruptcies to anybody .How did the credit bureau verified my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681 15 USC 1681 SEC 603 ( 3 ) ( E ) States ; The Term '' investigative consumer report " means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtains through personal interview with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such item of information. however such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times.

The Credit bureau violated my given rights 15 U.S.C 1681 According to : 15 U.S.C 1681 Sec 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Sec 604 A section 2 : It al states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s2 ( 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 card or prepaid card

Received a Text stating my cards were on the way. I checked with my husband to see if he had lost his debit card and was asking for a new one. He said no when I went to my online banking it said contact fraud alert. When I called the bank they said I opened an account with Bank of America For a credit card. I told them that I didnt open account and I had them cancel it. Then four days later I received a letter in the mail from the United States post office stating that I had asked for my address to be changed. I went to the post office and got the address of where they wanted my mail to be sent to. I was able to stop it. I believe they were trying to intercept the card without me knowing that they even open the account. I have filed it with the police department and they told me I needed to report it to yall. Look forward to hearing back from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

As an international XXXX customer, I am experiencing an issue accessing and downloading my account statements for my Savings, Checking, and Brokerage accounts. This is due to an incorrect country code linked to my mobile phone number. I reached out to Citibank, including an email to the Executive Response Unit on XX/XX/year>, requesting that the country code be updated so I can receive the verification SMS necessary to access the Citi website fully. 

In their response, I was advised to call the number on the back of my debit card : ( XXXX ) XXXX, as the staff at that number are authorized to modify customer profiles. Unfortunately, this number is no longer operational for any type of call, whether collect or direct, making it impossible to resolve the matter as instructed. 

The solution to this issue is straightforward : the country code should be updated to +54, and the city code ( XXXX ) requires the addition of a 9, resulting in the format XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Improperly reporting to my credit report. I want a fair resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is showing an account that the company and myself do not recognize. 
I have called discover and they have stated there is nothing they can do as the account does not show on their end under my social. 
Account shows it was last paid XX/XX/2020 with a balance of {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized use On XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX # XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I dont recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX I do not recognize this inquiry.
Product: Credit card or prepaid card

I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016,  but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!