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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX****,  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX
Product: Bank account or service

I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover what was needed. If I can put money in the account " Pst " time then it should count
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you assist in having in getting DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Capital One - inquiry from XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

1- Ticket Been send XXXX XXXX XXXX City bank Case number for Dispute city bank XXXX $ XXXX. 

I call city bank at XXXX XX/XX/2019 At time XXXX XXXX  total time for the call 20 minutes call from my cell XXXX to Dispute XXXX $ from company XXXX it was after les than 2 hours from the time I paid for my ticket the city bank customer Dispute they ask me if we can make call 3 in one call with XXXX to found solution and city bank side they recommend to XXXX the call is recording. After that city bank side she sad she have to hang up the call and if I dont found solution I have to call city bank in the phone number at the back of my card to file Dispute I call back city bank Dispute service to file dispute I have to start over for that I call one more time XXXX XX/XX/2019 time XXXX XXXX  total a mount of call 26 minutes from my cell XXXX and I file Dispute ( I have to start over ) she sad just call us back to full with your Dispute In the XXXX XX/XX/2019 to full with my complain icall to ask what happened with my Dispute the answer was sorry sir you dont have any Dispute for XXXX $ I have to start over at XXXX XX/XX/2019 at XXXX XXXX  for total 34 minutes from my cell XXXX to fill Dispute My question 1- I could dont that from XXXX that give me 24 h to cancel my transaction with some fee and the money with be in my city bank account the next business day 2- why city bank stop the call with XXXX And they left me alone in phone the Dispute is not complete 3- when I call the same day to fill Dispute they told me every think is complete 4- I call in XXXX XXXX I dont found Dispute 5- I have to fill anew Dispute at XXXX XXXX 6- I could finished every thing from XXXX befor 24 h from the time I bay my ticket and the money will be in my acount in 24 h 7- how longe I have to wait 8- what documents you need from me
Product: Mortgage

Our house was badly damaged by Hurricane XXXX almost four months ago. We have filed insurance claims for both wind and flood damage. Our major claim for flood damage was finally approved and we received a check made out to my wife and me, Wells Fargo, our primary mortgage holder, and XXXX where we have an equity line. We were very excited to receive the check so we could get our house repaired. Most contractors here want 50 % payment in advance. When I brought the endorsed check to our local Wells fargo bank, I was told that the manager would not endorse the check. We had to send it to the wells fargo Loss Protection Group and they would distribute the funds to us as the work was completed. That was the first we heard of anything like that. We filled out several forms and uploaded documents to file our claim for reimbursement. We were told that we had to have XXXX single contract for all of the work required. I said that we would like to save some money by doing some work ourselves and using multiple sub contractors. I believe that a form has been filed to allow this, but have not received any decision. I have talked with XXXX people at Wells Fargo Loss Protection and i have their names. XXXX was a supervisor who was very pleasant and helpful. She said she would call us the next day ( which was early this week ) with some answers. I have left several messages for her and received no response. 
We are living in the upstairs bedroom of our house. We just had our main contractor install insulation and drywall so the house is sealed up. The first floor is bare concrete since nearly all the flooring was removed due the the flood. It is very difficult to live with no plumbing in the kitchen and there is dust everywhere from the drywall work. Since the major damage was from flooding, there is no relocation allowance so we have no alternative but camping out in our house. 
We would like to get the restrictions removed from the insurance reimbursement check so that we can pay our contractor for the work already done and get the rest of the repairs scheduled.
Product: Debt collection

Several months ago - several charges showed up on my XXXX XXXX bank account -I set up for my small business- I opened the account with {$1000.00}. 

I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. 

I explained to the bank - that my card was lost for some time - ( XXXX months ) and that I did not have the card in my possession for the time the charges were made. 

They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.
Product: Credit reporting or other personal consumer reports

I saw my report and there are criminal charges on my account that I have never seen before. These charges are absurd I havent been in Maryland since XXXX. I am beyond confused and I have no reason to believe this charges are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pl # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Experian, Under FCRA the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation.

XXXX  XXXX  # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act
Product: Debt collection

XXXX XXXX of GC Services Limited Partnership contacted my place of business on multiple occasions. XX/XX/XXXX was the last occasion, where I actually called her back, and informed her that the number she was calling was my place of employment, and that her continued calling was going to cause me difficulties at work. Apparently, this was not enough for XXXX XXXX, as she called once again on Monday, XX/XX/XXXX. I again informed her that she was not to call my office, and that by doing so she was violating the Fair Debt Collection Practices Act.
Product: Credit reporting

I recently submitted a complaint with cfpb reguarding this I am not asking for reinvestigation from Transunion, XXXX or XXXX, only thing that will do is have them send me a letter saying we verified these accounts belonging to me if you verified these accounts as mine then please send me proof or delete off my report due to I have been a victim of identity theft and i sent proof of this to all XXXX Transunion, XXXX and XXXX only for them to respond acconts will remain as we verified these a belonging to you no proof or assistance to show me how.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I went to another phone company, i made planes to pay XXXX in increments to collect the remaining balances to the phones but they wanted the whole amount that I did not have. they sold my account to another company and now that want the full XXXX without wanting to get a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXXBalance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX  Account # : XXXX Date Open:XX/XX/XXXXBalance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Product: Mortgage

Daily multiple harrasemnt by phone for a debt that is not owed. Have sent proof multiple times to Seterus Inc. they refuse to correct their accounting errors. They have sent people to my home multiple times have illegaly entered my home, I have been threatened with physical harm by these people. I have served Seterus twice with cease and desist letters they refuse to comply, They have violated FTC rules and regulations have misshandled funds have illegaly held funds causing late payments and pyramiding late charges, they send monthly threats for two years to place me in forclosure, One of their inspectors was caught in my garage when I confronted him he brandished a XXXX XXXX XXXX forcing me to flee inside in fear of my life. 
They have made it so my family does not feel safe in their own home. Have trespassed multiple times on my property after being served in writing that they are not allowed on my property. I do not even know how they ended up with my mortgage.
Product: Debt collection

This company and I have been going back and forth for years and we can not get it together I was a victim of identity theft.This account was opened up in a state I never lived.And also a address I have never been associated With.I opened a dispute this this company and nothing happened so we came up with a agreement That I would pay XXXX dollars to settle this debt so we can move forward I still told them I did not agree the debt was mines.In return I was told by them that this account would be deleted from my credit file.That was almost 2 months ago and nothing has changed on my XXXX Credit file.I want to get this behind me As soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX, and XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, a student loan account opened at US Dept of ED/XXXX XXXXXXXX XX/XX/XXXX under the account number starting with XXXX, Dept of education/XXXX  XXXX XX/XX/XXXX under account number starting with XXXX, XXXX XXXX XXXX opened under account number starting with XXXX, and a collections account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$2600.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$680.00}, a collection account opened under account number ending with XXXX at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX a balance of {$270.00} that appears related to the aforementioned personal. Also inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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

Experian shows a 22 pt drop on my score. I have tried to call 3 different numbers and only have gotten an automated answer.

I finally found a number to call online and purport that I am a business to get to actually speak to someone, and when I called that number, the message said there would be a 2 hour wait.

My score is excellent, but this kind of drop with no explanation, in these times, made me very worried.

This is no way to run a consumer support business!
Product: Money transfer, virtual currency, or money service

Unblock my acct to XXXX  and XXXX XXXX please.
Product: Debt collection

XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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