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

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX  account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted XXXX and Transunion as well as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.
Product: Debt collection

Second Round Sub LLC is trying to file a lawsuit without properly giving me an option to dispute this alleged debt. I do not owe this company a thing and do not know where this company thinks it can file against me. I have sent them a letter stating that my only income is federally protected ( social security and veteran 's benefits ). I know my information has been found on the dark web, and my identity has been used without my permission.
Product: Debt collection

Called XXXX XXXX Services due to excessive phone calls for auto loan placed calls are more than XXXX per day. Advised the account XXXX to remove any phone numbers not associated with the person. The only number should be contacted is XXXX. All other numbers on file are no longer valid. Received XXXX more calls to different numbers listed as a referral contact that is not associated with signing the loan. Debt collection should not be placed to the referral phone numbers ( phone numbers were used to obtain and secure the loan not for debt collection purposes ). Escalations XXXX refused to place a Cease and Desist on all referral numbers per the borrower 's request and advised the best and only contact number should be on file as XXXX, escalations XXXX still refused and had advised the referrals to call the company directly ( referrals not approved for the loan ) to have phone removed from the borrower 's profile. Remove phone XXXX & XXXX and any number not listed under borrower 's name ; denied by company.
Product: Debt collection

I received notice that I owe XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in regards to acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed them that I was exercising my right to discharge debt under XXXX XXXX XXXX. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family
Product: Debt collection

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person (
company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of
debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter
very serious ADVANCED COLLECTION Last reported XX/XX/XXXX {$1200.00} Open balance ADVANCED COLLECTION   Last reported XX/XX/XXXX {$1000.00} Open balance ADVANCED COLLECTION Last reported XX/XX/XXXX {$190.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

PENFED CREDIT UNION has violated my consumer rights, discriminated against me, and discouraged me as a consumer. On XX/XX/2022 I opened a consumer account with PENFED CREDIT UNION and deposited {$100.00} into my savings account over the phone with an employee of PENFED CREDIT UNION. Upon my discovery I had an adverse action letter sent to me via mail from PENFED CREDIT UNION. The adverse action letter stated the following : I can't open an unrestricted account/checking account, all my check deposits will be held for 5- business days, all my deposits will be held for 5 business days, I can't do any ACH transfers and only direct deposits are available. PENFED CREDIT UNION reason behind this action they stated is erroneous and violates many federal laws that protect consumers. PENFED CREDIT UNION reasons for violating my consumer rights came from the consumer reporting agency called XXXX. XXXX has recently been sued with a class action lawsuit for erroneous credit scores of millions of consumers, including me and PENFED CREDIT UNION made their decision to violate my rights based off of XXXX erroneous data. PENFED CREDIT UNION has broken multiple laws from the CONSUMER FINANCIAL PROTECTION ACT and EQUAL CREDIT OPPORTUNITY ACT. I feel so discouraged and discriminated against by PENFED CREDIT UNION. They were willing to accept my deposit but keep me from doing banking for my personal, family and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

LVNV FUNDING LLC XXXX  Balance {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX  Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Stayed at the XXXX XXXX hotel for a week. Hotel had a strong weed smell despite saying no smoking. Cockroaches were in the kitchen. The bathtub was dirty. Stove had poor ventilation, making it impossible to cook without a metallic smell. Internet would cut out constantly making it hard to do my job despite internet being advertised. I stayed from XX/XX/XXXX to XX/XX/XXXX, for a total of {$500.00}. I wasn't able to cancel my reservation. At the end of my stay the staff said I would be getting a full refund. I called the hotel when I did not receive a refund, and they said to contact the company through the website. I contacted the company on XX/XX/XXXX, but got no reply. I disputed my transaction through Wells Fargo on XX/XX/XXXX. They gave me a credit, and said my credit would be permanent after giving them this information, but now they are saying they are revoking my credit for the {$500.00}, and that they can't do anything about it.
Product: Credit reporting or other personal consumer reports

This is a complaint against Experian for not properly investigating and updating consumer information. I want below account to investigate, verify and removed. 

XXXX. XXXX - XXXX - late payment XXXX. XXXX - XXXX - late payment XXXX. XXXX - XXXX XXXX XXXX XXXX I want this to be removed
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

The XXXX XXXX has moved this debt collection to another Collection Agency and mailed separate letters to me and my wife who was upset for a debt that no longer with us. The name of New Collector is : Radius Global Solution, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX that was supposed to be under XXXX XXXX was reported as stolen to the Police Department in XXXX New Jersey. Probably, this was happened on XX/XX/2018. There was nothing reported news after that but a letter after a month that it was retrieved by the XXXX for a reason. It was known that this was sold to another person therefore the Registration is under a different name. 

This is related to : CFPB Case # XXXX XXXX XXXX Account # XXXX Whatever our obligation is all harassment asking for the amount of {$8500.00}, a hindrance for us since I am relying an income only with pension money with so much bills including a Student Loan. Hopefully, I have nothing to say but we are helpless, obligating a property that is no longer with us. Thank you very much.
Product: Debt collection

IC Systems in XXXX XXXX, MN has continued to call my business phone for 4 years. The company asks for a XXXX and I have repeatedly told them there is no XXXX here. Several time I tried to explain and the caller would hang or say my number will be removed. But it has not. My most recent call was today XX/XX/XXXX at XXXX. I spoke with manager XXXX XXXX. She claimed she will remove my number but I do not believe her. This is my business and IC System calling prevents my clients and potential clients from getting in contact with me. Its harassment and its causing my business to suffer.
Product: Debt collection

Today I received a call from XXXX who claimed to be a collection agency ( I believe they said A & J Collection ) that a debt of mine was given to them. Said it would go on my credit today and could not tell me what it was for. Said it was {$500.00} and had to be paid or would go on my credit. They said some bill from Florida which I have not been to. 

Make me nervous as they had my SS #, my date of birth, my address and some company I run a business. 

I asked for a number to call back and they gave me a non existent number XXXX. When I questioned the bill, he finally just hung up on me. When I called the XXXX they pick up and say they are some credit company and when I start questioning who they are they hang up on you. 

Obviously getting or stole personal information and trying to steal money from innocent people who worry. Please get this number disconnected and reported.
Product: Mortgage

For the last year I have attempted to modify the mortgage on ( 20 ) twenty different times with Chase Bank with no resolution. Chase Bank has denied my Application 20 times. I want to stay in my home. I am frustrated with Chase Bank. I want to resolve this issue Chase Bank is not working with me to rectify my mortgage issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( XXXX, XXXX, and TransUnion ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Product: Mortgage

I applied for a HELOC loan with this financial institution whom Ive had a checkings account with for a little over 20 years. My credit score, my debt to income ration, and anything elses needed to meet the requirements for the loan amount I applied for was met. As I reviewed all of the criteria PRIOR to me applying. When my application was received I was told 2 different things by 2 different loan officers. When I spoke to loan officer assigned to me, I was told my income could not be supported even with 3 years worth of W2s and being told I can only qualify for a XXXX loan when I make XXXX per month. Nothing seemed to add up or make sense. I was told I needed an in person appraisal because it had to be done with certain applicants. Being a person of XXXX, this lead me to believe I was being discriminated against. I notified the loan officer of my complaint and even submitted my complaint to financial institution and I received a generic reply back from the loan officer. There is too much data and factual information and research that proves majority of people of XXXX are denied loans, expected to jump through hoops, and are denied loans more than XXXX  Americans. I want the underwriters of this financial institution investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 an account without my written instructions.