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

On XX/XX/2018, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XX/XX/XXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX XXXX but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on my credit after it was sold a transferred to a new entity. Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 5 letters to Experian, trying to dispute the accounts, Experian has failed to provide me with PHYSICAL proof of they verified the account and proper documentation, that they are required by law to have in my file for each derogatory account, Experian has merely ELECTRONICALLY verified the account via e-oscar by simply matching personal identifying info with the reported creditor. per the FCRA 611 that is unacceptable and not compliant. I Demand Deletion of the said account immediately.
Product: Debt collection

They have a " Call Blaster. '' On XXXX/XXXX/15 they called me XXXX times between the MINUTES of XXXX and XXXX. I was speaking to the medicaid office in Ohio and it disconnected me and because of the repeated calls, I could not get back on my call. 
This is not the only instance of this happening. It has happened several times over the past few months.
Product: Checking or savings account

Assistance Required for Closed Account Hi, My name is XXXX XXXX, and I previously had an account with CHIME. Recently, this account was closed without any prior notice or warning. I have attempted to get answers through XXXX, email, and customer service, but I have not received any clear information regarding the closure. 

I did not receive any notification about the closure or an opportunity to comply with any requirements before the account was closed. This situation is very unusual, as I have checking accounts with XXXX XXXX, XXXX, and XXXX XXXX, and they always provide reasons and steps to reopen a closed account. 

Could you please assist me in understanding why my account was closed and what steps I need to take to have it reopened? Your help in resolving this matter would be greatly appreciated. 

Thank you for your attention to this issue. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a hard enquiry on my credit report on XXXX 2024 by XXXX XXXX ( XXXX  ) which was not performed by me
Product: Credit reporting or other personal consumer reports

They wont remove any of the inaccuracies in my credit report I sent over XXXX letters XXXX times and nothing has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : XXXX PORTFOLIO RECOVERY {$560.00}
Product: Checking or savings account

Citibank made a transfer from my old bank account to my new account at Citibank for {$50000.00} on XX/XX/XXXX. This transaction was not authorized by me. My old bank account did not have {$50000.00} in it causing a {$35.00} overdraft fee. Citibank refuses to pay for the overdraft fee!
Product: Checking or savings account

**Consumer Financial Protection Bureau Complaint** **Consumer Information : ** - **Name : ** XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX **Complaint Summary : ** I am writing to escalate my ongoing issue with Discover Bank regarding an ACH withdrawal and subsequent mishandling of my dispute over {$20000.00}. I have previously submitted a complaint and have received insufficient communication and resolution from Discover Banks executive team. This is my second complaint on this matter. 

**Complaint Details : ** 1. **Initial Incident : ** - On XX/XX/year>, I requested a stop payment for an ACH withdrawal of {$20000.00} to XXXX XXXX  XXXX Initially, the amount was taken out on XX/XX/year>, but was credited back automatically. Despite this, I requested a stop payment to ensure no further issues would occur. 
- My initial request for a stop payment was denied by the first agent. The next day, I successfully placed a stop payment request, but the charge still went through on XX/XX/year>. 

XXXX. **Dispute Filing : ** - I immediately called and filed a dispute, but Discover erroneously disputed the first charge. I was not informed of this error until recently. 
- Despite terminating my ACH authorization with XXXX, they withdrew the funds again. Standard practice should have reissued my account on XX/XX/year>, but this did not occur until later. 
- After correcting the dispute, I have been missing {$20000.00} from my account for nearly a month due to Discovers error. My account balance has been reduced by 80 %, leaving only {$5000.00} available. I have been told multiple times that the funds would be returned soon, but they have not been credited to my account. 

XXXX. **Additional Issues : ** - Discover erroneously placed a stop payment on XXXX XXXX  XXXX causing a {$30.00} ACH reversal fee. 
- Despite conversations and assurances from Discover agents, including documentation attached to this complaint, I have received little to no follow-up from Discovers executive team.

**Negligence and Lack of Cooperation : ** XXXX has been uncooperative in resolving this issue. Discover was negligent in allowing the funds to be taken despite my stop payment request and terminated ACH authorization. The executive team at Discover has failed to provide adequate communication or resolution.

**Attached Documents : ** - Copy of the letter from Discover dated XX/XX/year>, confirming that the funds were returned to XXXX XXXX  but not credited to my account. 

**Resolution Requested : ** I urgently request the immediate credit of {$20000.00} to my account. Discovers mishandling of my dispute has caused significant financial distress, and I expect prompt resolution and compensation for any fees incurred due to this negligence. 


Thank you for your attention to this matter. 

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

XX/XX/2020 I have been trying for nearly 3 weeks now to get my freeze lifted at Experian. It is next to impossible to get to a live person through any of the multiple numbers listed on their website or those listed on XXXX. Their interactive voice response ( IVR ) and/or automated caller detection ( ACD ) system also makes it impossible to get a freeze lifted ( or placed ) - let alone talk to a human. The first two weeks I tried calling these numbers - their system kept cutting me off with " I'm sorry, I didn't get that ''. Dead-end. I was finally able to retrieve my lost PIN code about a week ago using their website after jumping through enough hoops to establish my identity. I have since tried multiple times per day to call using my PIN code as well as use their website to lift my freeze. However, even with my PIN code - the only thing I can do to lift my freeze was to snail mail multiple documents to their PO Box in XXXX TX. I need the freeze lifted ( ASAP ) in order to proceed with a possible mortgage refinancing. I sent my letter to their PO Box on Saturday, XX/XX/2020 via USPS express mail. It is now close of business 3 business days later - and my account is still locked. My letter should have landed in their PO Box Monday, XX/XX/2020. I frequently lock and unlock all 3 of my credit bureau accounts and have NEVER experienced any thing as frustrating as this. I thought that after the Experian data breach - Congress had passed new legislation ensuring the bureaus made it easier and FREE to process these transactions. It seems that this egregious behavior on the part of Experian should be illegal. Seems to me that if I were a subscriber or paying customer for one of their 'services ' this would not be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XX/XX/XXXX XXXX XXXX XXXX {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX
Product: Checking or savings account

In XXXX, it got to my attention that someone stole my identity and opened a fraudulent account in my name and it was used to cash a cashier check that was intended to me. I filed the check claim from my bank XXXX  on XX/XX/XXXX and citizens bank claimed to havre received the claim on XX/XX/XXXX, but even after receiving the claim, citizens bank didnt do anything concerning my claim. I also filed an identity theft claim with citizens bank requesting that all accounts opened in name at their institution should be closed, but citizens back denied my identity theft claim and also denied my check fraud claim i filed through XXXX. During this time i was also communicating with citizens bank and they said they can see this is a clear case of identity theft and fraud and they will be fully reimbursed for this and I shouldnt worry and i can confirm that on XX/XX/year>, the amount of money that was taken from the check was reimbursed back into the account so why were all my claims denied? I need a detailed and well structured explanation of what procedures were taken to investigate my case and what led to the decision case, how was an account opened in my name, what identification was used to open the account, was the account opened in person or online, what identification was used to verify the person that came in to deposit the check into the account. I need all this information as I believe my case isnt taken seriously by citizens bank. Also citizens bank claim to be still investigating then why deny all the claims if you are still investigating.lastly, I received the bank statements sent to me but the money that was reimbursed doesnt reflect on the account why is that so and when and how would I receive the full amount of my cashier check from citizens bank? I have waited for 90days and there hasnt been any substantial updates on my case and i want to be make very clear to citizens bank that if it gets to the 120 days period and my case hasnt been resolved as it should, i will be filing a huge lawsuit against citizens bank and i promise to sue for damages and citizens would have to pay even more than the original amount.
Product: Debt collection

They are trying to contact my Son. But, I have told them to stop calling me. This is a payday loan they tell me. They called at XXXX cst. when I advised the person XXXX I believe it was XXXX She said that was to bad. The next call came from a man that I again asked to quit calling me. Called me a rude XXXX. I have mailed a cease Calling me but, it doesn't work They call every other day with the same request to contact son, And was told they will keep calling until XXXX XXXX returns their call. I want them to quit calling me and they tell me they don't have to stop. They have called from XXXX and XXXX This Company goes under Credit Central and XXXX XXXX
Product: Credit card or prepaid card

No result. They told me this was done online and there was no way to track the people who made these inquiries. I explained that did not authorize anyone to apply for anything under my social security number. I wasnt could press charges due to not having proof of the person who did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX TX XXXX XXXX has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.
Product: Mortgage

PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has been tortuously combative against this borrower for the last 3 months. 

We submitted our authorization on XX/XX/XXXX. We called in XX/XX/XXXX and were told the validation of our authorization would be completed the next day, XX/XX/XXXX. 

XX/XX/XXXX we called in and were told our authorization was going to take an additional 10 days. We tried to speak to management and escalations several times. The reps were consistently rude and combative with us. When we were finally transferred, we were repeatedly transferred back to their department in XXXX, which we know from the last 12 years working hundreds of files with PHH ( XXXX ) to be worthless at problem-solving. 

PHH is giving us the same treatment they have been giving the borrower over the last 3 months. The borrower is a minority whose husband has recently passed away. On top of the stress of her husband passing away and then realizing she is going to lose her home, PHH has taken it upon themselves to be combative and abusive. 

This is UNACCEPTABLE. I want our authorization to be validated immediately. I want answers as to what is going on on this file NOW, and the egregious and unprofessional behavior to STOP!!! 

CC : 1. OAG 2. XXXX XXXX 3. OCC
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I XXXX the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXXXX/XX/year> PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer.

A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.