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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have been placed on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed permanently. I am a victim of a data breach, and the following accounts were fraudulently opened in my name without my consent : Fraudulent Accounts : XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$850.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX XXXX************** - XX/XX/XXXX XXXX {$270.00} XXXX XXXXL - XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

We, at XXXX XXXX XXXX XXXX, were contacted today by a fraudulent company. 
The woman with a XXXX XXXX XXXX refused to identify herself as anything other than " the credit and collections department of Henry Schein. '' As loyal clients of Henry Schein, we immediately logged in to check our account online, without sharing any account or payment information with the suspicious woman on the phone making demands for payment of well over {$2000.00}. 
We called the company Henry Schein to verify that what we were seeing via the online portal ; we spoke directly with XXXX from Customer Service and she did indeed verify that our account is in good standing and has no open invoices or overdue charges. 
We gave Henry Schein all the information we had from our brief contact today with the fraudulent company. When we attempted to call the fraudulent company back to ask a few clarifying questions and were unable to connect to anyone following the voiced prompt. When we looked up the phone number the call came from, it showed to be registered to an XXXX XXXX of some sort. We made henry Schein aware of the attempted fraud in order to prevent the continuation of this behavior from external, bad actors.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on my credit report
Product: Debt collection

This complaint is about Sunrise Credit Services Inc, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX. 

In XXXX of this year the above-named collections agency started reporting derogatory collections information on my credit files to XXXX XXXX without prior contact with me. Upon receiving alerts by credit monitoring services about this negative information I contacted Sunrise Credit Services Inc. in writing via USPS certified letter/return receipt ( signed for XX/XX/2021 ) disputing the debt and requesting no telephone contact. In return Sunrise Credit Services Inc provided me with a generic bill for TV and Internet services from XXXX XXXX XXXX with a similar name to mine and a service address in the state of Texas. Please note the following : I have not done any business with XXXX XXXX XXXX, ever! I do not have any family, friends or ties in the state of Texas where this service address is located. I do not have any indication at this point that I am the victim of identity theft. The name on the bill although similar it is not exactly mine. The address where these services were provided it is not nor has it ever been associated with me in any way. It is the Collections Agencies themselves who report the address on the delinquent account to the credit bureaus so it comes up as verified when disputed. Since receiving my letter, Sunrise Credit Services Inc. has escalated their efforts to report negative information to my credit file now to all three major credit bureaus. Sunrise Credit Services Inc has made no mention on my credit file of my dispute and has made several calls to my mobile number in clear violation of the FDCPA. A similar name should not be evidence for anyone to ruin a more than 15 years old spotless credit file like mine. I hereby challenge Sunrise Credit Services Inc or XXXX XXXX XXXX to produce proof that this debt belongs to me. In the absence of proof which is 100 % the case I demand Sunrise Credit Services Inc to stop reporting and delete all derogatory collections information regarding this debt on my credit files.
Product: Credit reporting

IVE BEEN DISPUTING A FEW ACCTS ON MY CREDIT BUREAU ( TRANSUNION ) AND THEYRE NOT FULLY INVESTIGATING THE ISSUE IM A VICTIM OF IDENTITY THEFT IVE PROVIDED FTC REPORT, IDENTITY THEFT REPORT, XXXX LETTER FORM XXXX, STATING ALL NEGATIVE ITEMS ARE TO BE REMOVED AND BLOCK BECUASE IM A VICITM OF IDENTITY THEFT AND ITS BEEN 4 MOS AND NOTHING HAS BEEN REMOVED OR BLOCKED FROM MY CREDIT IVE DISPUTED THESE ITEMS FOR LAST 4 MOS AND STILL NO RESULTS AND IM THE VICTIM NO ONE HAS VALIDATED THE DEBT PROVING ITS ME BUT IVE PROVIDED ALL DOCS TO PROVE ITS NOT ME AND CREDITOR SAYS THEY BELIEVE ITS ME BUT NOONE HAS PROVIDED ME WITH ANY DOCUMENTATION TP PROVE ANYTHING BUT IM THE VICITIM BEING PENALIZED WITH NEGATIVE ACCTS AND ERRONEOUS ADDRESSES IVE NEVER LIVED AT OR REQUESTED UTILITY SERVICES AT THAT IM BEING CHARGED FOR WHICH IS VERY UNFAIR TO ME AS A CONSUMER. XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX HAVE NEVER VALIDATED ANY DEBT TO ME AND IVE ASKED SEVERAL TIMES TO BE PROVIDED INFORMATION ON ALL THESE ACCTS 4MOS LATER STILL NOTHING BUT NEGATIVE REMARKS ON MY CREDIT REPORT THATS NOT FAIR TO ME ...
Product: Mortgage

My problems began XX/XX/XXXX, when my spouse and I began separation which led to a divorce, in addition to the divorce then I have been unemployed on and off from XX/XX/XXXX through XX/XX/XXXX. I also have taken my mother in with XXXX XXXX XXXX XXXX to assist in her rehabilitation and getting her into remission. 

I took employment positions to fulfill my responsibilities, but they were either not stable or enough wages to cover my expenses. It was barely enough the last 18 months to keep food on the table for my XXXX children and mother, utilities, etc. 

In addition to the financial hardship ( severe decrease in income, illness and divorce ). I went to a recommended financial management company ( XXXX XXXX ) that was supposed to help in the assistance of applying for a home loan modification. I was charged {$2400.00} for the service which he failed to complete or give proper notification regarding paperwork, etc. During that time, I was trying to re-coupe my funds since he did not fulfill my request. 

To date, I have not seen any information from him, except to apply again and to send additional last payment for the service. I choose not to for the reasons of being scammed and that I learned you should not trust anyone charging for this service. 

Since then, I did my own research to find out how to resolve this matter on my own. I found an organization called the Fair Housing agency and made an appointment in XX/XX/XXXX to meet with a counselor to assist with what my options where at this time I was told about the HUD programs/grants. 

I filed my application XX/XX/XXXX way before the 37 days deadline and was assigned a counselor from XXXX XXXX ( XXXX XXXX ). This person never contacted or returned any of my attempts to schedule the appointment to submit the follow up requirements/paperwork. This then brought me to the point of escalation to the state of NJ. In return I was able to contact someone from the State of NJ XXXX XXXX. She not only reassigned my application to a new counselor but also a new agency NJ XXXX XXXX. 

Due to the XXXX XXXX not handling my urgent matter timely this is another reason why I am so close to the sale date and need to have it postponed until the remainder of the grant process is completed. I met all the criterias and with great hopes will be approved for the XXXX   grant from the State of NJ. 

As of Friday 's mail, XX/XX/XXXX, I received a denial letter letter from SLS regarding the RMA. This letter is stating I am denied due to the less then 37 days till the date of foreclosure. Please note I will be asking for the adjournment on XX/XX/XXXX ( which will be more then 37 days until the new sale date ). 

Today XX/XX/XXXX, I sent another email requesting an adjournment and RMA. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Assertion of My Right to Privacy XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU I am writing to formally assert my right to privacy concerning my personal information and financial records. It has come to my attention that SANTANDER CONSUMER used my personal information and disclosed without my consent, and my financial records have been mishandled and also misreported, which constitutes a violation of my privacy rights. 
Basis for Concern : XXXX. The information in question includes personal information, such as account numbers, Social Security numbers, which I believe has been improperly shared or utilized. 
XXXX. Under laws such as the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other privacy regulations, I am entitled to the protection of my personal and financial information. 
Unauthorized access or disclosure of my personal data violates my right to privacy. 
XXXX. I request a detailed explanation of how my information was obtained, shared, or used, including any third parties that may have accessed this data without my consent. 
Please consider this letter a formal request for action to rectify the current situation. I expect prompt attention to ensuring my personal information is safeguarded and that measures are implemented to prevent future violations of my privacy. 
Thank you for your attention to this significant matter. I look forward to your timely response detailing the steps that will be undertaken to address my concerns. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I paid my Sams Club XXXX XXXX balance in full. On XX/XX/2022 I received an email from Synchrony advising my payment was posted from my credit union. When I logged into my account my account said {$0.00} Balance, {$0.00} due and {$0.00} available. On Tuesday XX/XX/2022 I checked my balance and it said the same. I called Synchrony and asked about why I had {$0.00} credit available. I was advised it will be locked for 4 more days because of the amount paid toward my account. I then was transferred to a manager XXXX. He advised me I was lucky they didn't lock my card for 21 days to insure I didn't dispute the money and get it back. Why am I getting punished for paying my balance in full? I never abused my card. Always had my payments in on time. My balance got a little high due to the pandemic and I was finally able to secure a loan to pay off my debt.
Product: Debt collection

I received calls today from XXXX XXXX XXXX, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lousiana no acct # becase none is on my consumer report if this accout was charge off since XXXX2017 i never recive a 1099 showing any imfo on this 15 US 1681-s
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-DEPTEDXXXX XXXX XXXX  XXXX 2-DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX  shipped a partial order. They STOLE MY MONEY.  Wells Fargo  refused to protect my purchase and told me due to their  XXXX  agreement this was fully allowed.     I WAS FORCED TO COME TO THE BANK  XXXX   XXXX  ON  XXXX / XXXX / 2017 . Help refused and they kept telling me it was n't their problem it was the fraud departments fault.     I called the fraud department for THIRTY MINUTES AND WAS REFUSED TO BE ALLOWED TO SPEAK WITHA SUPERVISOR.     JUST WAIT. We 'll send you a letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation,  Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I  am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to be greatly disappointed when it comes to Equifax reporting errors, I pulled my Equifax file today after noticing a 27 point drop in my credit score as I reviewed my report I noticed Equifax is reporting several accounts showing no credit limit and a high credit much higher then I have used it appears they are reporting my credit limit in the high credit field and reporting nothing in the credit limit field as a result my unlizatuin and score are stuffing greatly Im in the mortgage approval process and this is causing me great PAIN, the accounts with this reporting error are listed below 1 ) XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX 2 ) XXXX XXXX XXXX account 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account XXXX 5 ) XXXX XXXX XXXX account XXXX 6 ) XXXX XXXX XXXX XXXX account # XXXX This is a total of 6 accounts being reported in error the credit limits and high credit needs to be fixed ASAP I will no longer continue to do this my attorney will be the next and final step
Product: Credit reporting, credit repair services, or other personal consumer reports

I can no longer get access to my credit repor t ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my rep ort ( s  ).     I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 bu siness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.