23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX Balance : {$12000.00}, XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

Hi Caine and WEiner COmpany ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Bank of America absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Debt collection

When I shopped and decided to change car insurance companies, XXXX XXXX was wanting XXXX more month of coverage even though I provided proof of new coverage for the dates in question. Earlier this week I called XXXX XXXX directly to discuss the status of this account, and to validate that I had paid it to XXXX XXXX directly in order to avoid it being in collections. I was told that I would be contacted by phone within XXXX to XXXX hours by the department that handles such requests. This has not happened, but I see it is marked paid now. This whole mess is in violation of my rights, and they won't respond as they promised. When I explained this to " XXXX at XXXX XXXX '', he assured me that it would be addressed to me personally, by phone by said time.
Product: Mortgage

We are writing this Complaint due to the fact that our Family experience a Hardship & that we have made many effort to workout somekind of re-payment plan by making numerous request to our mortgage company Wells fargo Bank. On XX/XX/2015 my Family experience a fire in our Heating/Air System we later found out that our warranty had expired the previous month. Due to our warranty expiration we were notified by our Homeowner Insurance that our Heating/Air electrical fire was not covered.Due the news we faced a large repair bill that had to be fixed due to the very hot weather & the recent moving of my mother-in-law whom is suffering from a XXXX XXXX ... we made many calls to wells fargo & never got any assistance but the usual transfer & hold for long times. On XX/XX/XXXX my wife & myself finally were transfered to the Home Preservation Dept. The representative we spoke with advised us that we did qualify for a repayment plan but only within 90 days & that we should of been advised of that previously. the representative said that we had to pay the entire balance and they could not help us with a re-payment plan.since then Foreclosure has been filed against our Property.we are filing this complaint because we made many phone calls & we were not advised properly about the repayment plan rules.. since then we have made efforts to make payments and it has been refused ... Please Help a Desperate Homeowners..
Product: Credit card

I am filing this complaint to request, pursuant to FCRA 611, that Experian, XXXX and XXXX credit reporting agency remove information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of : Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint 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, credit repair services, or other personal consumer reports

In  XXXX   XXXX  I hired  XXXX   XXXX   XXXX  to work on my credit report to remove negative and inaccurate information, which was done ; however in  XXXX   XXXX  when I pulled my credit report I noticed that an account from  XXXX   XXXX  was reinserted back on my credit report, which is a violation of my rights under the FCRA.     I submitted a dispute to TransUnion,  LLC  informing them on  XXXX   XXXX ,  XXXX  sent the letter certified mail which they received on  XXXX   XXXX ,  XXXX  that the account  XXXX   XXXX  was deleted off of my TransUnion Credit file on  XXXX   XXXX ,  XXXX  ; and that they did not follow the guidelines according the FCRA requirements to reinsert the account.     In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii ),   you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion I writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was told by TransUnion that is incorrect and that anything can be reinserted on my credit file if it belongs. Also, they did not even review the letter that was submitted to them -- the representative informed me in was just scanned in my file and never looked into.     I am requesting that because TransUnion remove this item off my credit report as it did back on  XXXX   XXXX ,  XXXX .
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit TransUnion, XXXX XXXX XXXX  credit reports. After contacting XXXX XXXX numerous times and disputing this inaccurate account which is not mine over five times previously, I notified XXXX XXXX in writing ( see Letter uploaded with this complaint ) that this is not my account and I am a victim of identity theft. Sent filed copy of FTC theft Affidavit and Police Report along with my identification ( driver ; 's license, Social Security Card, and utility bill ). After numerous calls and writing dispute letters that this is not my account the inaccurate, negative account remains on my credit report and is affecting my ability to get new credit, apartment and car.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is submitted in accordance with my rights under various federal laws, including : 15 USC 6802 : Governs the disclosure of my nonpublic personal information. I do not consent to the sharing of my personal financial data beyond what is legally permissible under this statute.

15 USC 1681 ( 4 ) : Affirms my right to accurate reporting of credit information. The inaccurate item ( s ) in question do not comply with this standard.

15 USC 1681 ( 2 ) : Specifies my right to dispute information I believe to be incorrect or misleading.

18 USC 1028A : Establishes criminal penalties for identity theft. I suspect that some of the erroneous entries on my credit report may be due to identity theft, which would be a violation of this statute.

15 USC 1681c-2 : Grants me the right to request the removal of fraudulent information from my credit report due to identity theft. I believe that the items listed below may have been added to my report without my authorization and potentially involve fraudulent activity. 

Inaccurate Information : XXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. 

XXXXXXXX XXXX  : Account # XXXX Inaccurate Information on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate Information on my credit report. A third party that I did not give consent to report anything on my credit report. 

XXXXXXXX XXXX XXXX  : Account # XXXX Inaccurate information on my credit report. A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX : Account # XXXX A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX. 
Account # XXXX Inappropriate use of credit report. I did not give the any consent to report anything on my credit report. 

Given these protections under XXXX law, I respectfully request that you : XXXX. Conduct a thorough investigation of the inaccurate or fraudulent items. 
XXXX. Remove or correct the inaccurate information promptly. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Enclosed are copies of relevant documents supporting my claim, including my identification, credit report, and any other materials necessary for your investigation. 

Please confirm receipt of this letter and keep me informed on the progress of the investigation. I expect your response and confirmation of action within XXXX  days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX, XXXX
Product: Credit card

Paid {$500.00} to synchrony premier mastercard number XXXX on XXXX. Paid online via synchrony credit card online account. {$500.00} was withdrawn from wells fargo checking account number XXXX. XXXX XXXX XXXX number XXXX ; this was faxed to synchrony twice via fax service at XXXX XXXXn XXXX XXXX california. Synchrony staff acknowledged reception. Synchrony said did not receive payment. Said no recoed of payment. Dispute cl aim was denied. I paid {$500.00} again in XX/XX/year> fearing penalty and interest. In XX/XX/year> XXXX synchrony staff said dispute was DENIED because LACk of required do uments.
Product: Credit reporting or other personal consumer reports

{$720.00} from XXXX XXXX Which got sold to credence resource management. XXXX XXXXXXXX is when it showed up on my credit report. I filed a FTC report for identity theft. I have no recolect of this account. 

USC 1681 I have the right to privacy account did not send proof of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been contacting Equifax for several weeks and trying to dispute some unauthorized hard inquiries on my report. as i type this I'm on the phone being denied again. on XXXX i submitted a dispute for these accounts and within 6 hours it allegedly was finished. i contacted them questioning how can you validate something within 6 hours. i was told they don't check hard inquires and repeadetely was told because their factual records which don't answer my question on why these unauthorized inquires wasn't investigated. what's the whole point of disputing something if the company want even do their job and investigate my complaints. the inquiries at hand are from the following. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

This debt has been sold to a third party. However, the debt was written off by the original creditor, at that point this debt was then to be considered as income per the guidelines of the Internal revenue service. I will agree to pay this debt if someone can produce the original wet ink contract or by providing me with the purchase agreement provided in the sale of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting that was discharged in 2019.

I have spoke with the courts and they told me they do not report to the credit agencies.

I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy.

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report.

Thank you
Product: Credit reporting or other personal consumer reports

I submitted three disputes with XXXX XXXX which is refusing to remove the bankruptcy from my credit after providing documentation that XXXX does not verify information. 

XX/XX/year> XX/XX/year> XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

WELLS FARGO KEEPS REPORTING THE MORTGAGE ACCOUNT THAT WAS CLOSED AND PAID OFF MANY YARS GO. BUT THEY ARE REPORITNG IT AS OPEN, ACTIVE AND BALANCE PENIDNG.. THIS IS VIOLTION OF FCRA AND WELLS FARGO RESPONDED STATING THEY " WERE NOT ABLE TO DETERMINE THE SPECIFIC CONCERN I HAD ABOUT MY CREDIT ' WHEN I CLEARLY STATED IT IN MY LETTER TO THEM AND ATTACHED A COPY OF MY CREDIT REPORT SEE ATTACHED AS EVIDENCE
Product: Checking or savings account

On the XXXX of XX/XX/year>, my social security check hit SOFI banking ( XXXX USD ) which the account was registered with my legal name and all the information needed, but shocking, I was trying to send XXXX and XXXX respectively but it was declined, then to my surprise they restricted my account and asked me to call that day but since that very day I have been calling everyday till date but nothing has been done and I was being lied to that I will get an email, this has caused me so much and now I'm about to be evicted from my apartment because of this. Please help me in any way you can. I'm afraid I won't get a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct this information.
Product: Credit reporting

I have been a victim of identity theft. I have an extended fraud alert on my credit report. There have been numerous unauthorized inquiries on my credit report. I mailed letters to each of the creditors that are showing up on my report that I did not authorize but have not received a respons. I contacted Transunion by phone and by mail to dispute the inquiries and they refuse to remove them. These inquiries are affecting my ability to apply for credit. My complaint is with Transunion. Similiar inquires were showing up on XXXX and XXXX was very helpful in removing them right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been driving for XXXX full-time for over 2 years and am a highly ranked driver with a 4.99 ranking out of 5.0 with over 6000 riders. I have not been able to access the XXXX platform in 3 WEEKS because of my prior background check expiring while CheckR ( XXXX 's 3rd part background check service provider ), conducts the current background investigation. The company states background checks take 3-5 business days. As per XXXX the driving record part of the investigation is complete but the criminal background check part is still pending after 28 D-A-Y-S and counting?! 
I AM NOT A CRIMINAL. I HAVE COMMITTED NO CRIMES. Yet, I am guilty until proven innocent in this bureaucratic process that takes advcantage of the fact that XXXX drivers are " contract workers '' .. 
Meanwhile, I have literally lost XXXX $ of dollars of revenue as my XXXX account is suspended waiting for CheckR 's response. I have received no email communications from CheckR requesting any further information. It is IMPOSSIBLE to get ANYONE on the phone let alone have someone EXPLAIN what the hold up is. The only resource is a cookie-cutter FAQ page on their website about what " MIGHT '' be holding up the background check. When you attempt to call it leads to a recorded message that refers you back to their website portal and promptly hangs up on you?!

Meanwhile, I am unable to drive for XXXX OR ANY OTHER COMPANY that uses CheckR as their background company. I am left with NO RECOURSE, NO INCOME, and NO ALTERNATIVES to replace my livelihood as a gig driver!!!
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

Capital one and I had an arrangement way back around XXXX that I would pay XXXX a month until the debt was paid. Over some time phone numbers I no longer have have been still connected to the account. One of which was XXXX which was a sim that was in a device that was stolen in XXXX. I reported it to the police. Since as early as XX/XX/XXXX I finally got XXXX to remove that number but capital one still has it on my account including two devices I don't own. XXXX XXXX XXXX and XXXX XXXXXXXX. And still the XXXX number appears. I have told them this is fraud. Accordingly, they charged off my account in XX/XX/XXXX and said the paymrnys I had been making were not being applied. They did not put any fraud alert on the account and still are not being receptive. I have a police report now XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a hard inquiry on my credit report from XXXX CO XXXX 

I have called the XXXX XXXX  twice to report fraud. I spoke with XXXX on the 1st call and the 2nd I spoke with XXXX. Both times they said they could not find nor verify the inquiry and both times they agreed to send communications to all the credit agencies to get this fraud inquiry removed immediately via electronic communication. 
I called and spoke with XXXX in the specialty fraud department at TransUnion. He was extremely rude and ask had I filed a report with CFPB and told him yes. I also told him there has been a " Fraud Freeze '' on my account since XXXX and that NO one can pull my credit or open an account without verification. I have also frozen all information on XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX at TransUnion still was not willing to work with me on the removal of this fraudulent inquiry. I take my credit seriously and want this OFF my credit report as soon as possible. 
These credit reporting agencies are NOT Government Agencies! They are for profit. Their profit comes from banks & lending institutions to keep your score low as possible so they can sell your information to subprime/High-Interest lenders. BEWARE and fight for your credit!