23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my home burnt down in the XXXXXXXX XXXX. I contacted my mortgage company and filed a forbearance on my loan due to this. My forbearance was approved as of XX/XX/2021. A few weeks later, I got a notice stating my forbearance was canceled. I called back and told them of this error, they then stated they re opened my forbearance and it was all in effect again. I continued to get past due notices in the mail from them so I again called back in XXXX of 2021 to confirm my loan was still in forbearance and I was told it was. I called again on XX/XX/2021 to verify my account standing for a new mortgage I am trying to obtain. During this call I was told I was removed from forbearance again and my account is showing past due. They re submitted my forbearance to a manager to get it reinstated, however it still reported to my credit companies I was past due on my mortgage. I was in contract for another home already and this error from them ruined my family from being able to buy a new home and has made us remain homeless until this is corrected.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : 1. XXXX XXXX. XXXX 3. Experian 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child.

15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

( THIS IS ON XXXX WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

Capital One : I am writing to formally dispute inaccurate information reported on my credit report by Capital One. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by Capital One and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$460.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from Capital One, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$460.00} is shown as 156 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$460.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit card

I was called from XXXX a man from XXXX telling me that some one was trying to open a carge card in texes useing my name.went on talking sead he was from XXXX XXXX dept and needed to clear that up after talking he told me I could check on that his name was XXXX XXXX XXXX security badge XXXX he than turned me over to a specalist XXXX XXXX XXXX at XXXX. He metiond the XXXX credit cards I had and the a amounts on them he had the last XXXX of my social. and this is how he was going to help old people like me it was my lucky day because of the Fed debit redution act of 2022 I only needed to pay XXXX % of the balances on those cards. talked a little more told him if its to good to be trough it is and hung up
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a first-class letter to Equifax Information Services Stating I had found the following items to be in error reporting on my credit report, requesting they be removed under Consumer Laws that were relevant to my situation. They did not respond to me with any positive news in fact they told me they thought I had help with my dispute from a credit repair company ( which in all cases would not be illegal ) They asked me to go into the Equifax website to dispute anything I needed. A letter I believe was sent to waste my time. I had attached a Bill with my name and current address, A Drivers License even a copy of my Social Security card. All in color. Legible and Clear. 

A Balance for a CC was {$240.00} ERROR- Account opened in XXXX Still reporting unpaid- XXXX Incorrectly Reporting late payments- XX/XX/XXXX, XXXX XXXX, XXXX Permissible use of my report on Child Support XXXX Medical Bill- XXXX {$1400.00} OHIO DEPT OF HUMAN S.- XXXX {$30000.00} I also have also Sent Certified Letters to Equifax as well XXXX. 
No Response was sent me to as I requested. No updates or a copy of my credit report. They are just completely ignoring my request. 
I sent another set of certified letters to Equifax on XX/XX/XXXX and have not received any type of update on any one of the Errors I have tried bringing to their attention. I have spent hours of my time both on trying to correct the Errors Reporting and the misuse of my credit report. I have spent money on sending letters to them both first-class mail as well as certified mail. I feel I am getting taken advantage of. It's become extremely stressful and time consuming. I truly hope I can get someone to help. 

I am now filing a complaint because I feel that there is no other way to be able to receive any type of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( XXXX ), FDCPA 807 ( XXXX ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( XXXX )
Product: Debt collection

Portfolio recovery has been harassing me, they refused to send the contracts I supposedly signed and theyve been calling me after I told them not too, which violates federal debt collection practices!!
Product: Credit reporting or other personal consumer reports

I purchased a Home in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to XXXX XXXX  and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Product: Payday loan, title loan, or personal loan

I paid off my car and two months later I still didn't receive my title. They claimed to sent it about a month ago.
Product: Checking or savings account

I am a long time account holder at PNC bank of XXXX. My account actually predates their purchase of National City Bank ( my original servicer ) As you know there was a scandal created by " sorting and batching '' to create overdrafts. As a solution, banks like PNC promised to end the process, and they also offered people like me no fee banking. To my chagrin they unilaterally informed me a few weeks ago that my zero  fee account was no longer in effect, and I also noticed that my automatic withdrawals were suddenly shifting dates at their discretion apparently to CREATE insufficient funds status. Since then, I have had at least 3 unexpected penalties. My requests for refunds were denied and my requests for no fee checking were ignored, as were my requests for a firm date for automatic drafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Experian, XXXX, XXXX. 
Re : Incoreect Personal Information. 

XX/XX/2018 I am writing to dispute the following information in my file. I have annotated incorrect information with arrow in the attached complaint, as the items that I am disputing on the attached copy of the report I received. 
My name, is not, nor ever has been XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX XXXX, or XXXX XXXX, and I have NEVER gone by the alias. Enclosed is a copy of my current drivers license, for accurate name identification. Additional my primary place of residence has never been associated with XXXX XXXX for over 5 years that I have owned the house. I am disputing the address XXXX XXXX XXXX listed as a large drop off address it is a large commercial shopping center complex with XXXX  and XXXX, and I am not associated it the address. 
Please investigate investigate the inaccuracies, and delete the above disputed items as soon as possible. Please also send a corrected credit report to me.
Product: Credit reporting or other personal consumer reports

XXXX FUNDING IS REPORTING ON MY CREDIT PROFILE TWICE. XXXX XXXX SOLD THIS DEBT AND BOTH ARE REPORTING NEGATIVELY ON MY CREDIT PROFILE. THIS ACCOUNT NEED TO BE REMOVED FROM MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied by XXXX Bank for credit card. XXXX or both credit institutions reported me, the applicant, as deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiries were not initiated by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, as i'm driving i received a text from a friend who mistakenly received {$25.00} from me through XXXX. As i check my Chase account, there was a XXXX quickpay transaction for {$500.00} to an unknown person that was denied. I immediately call Chase Bank to inform them my account has been compromised. WHILE IM ON THE PHONE WITH THEM, i receive another notification that a {$500.00} transaction to another stranger was APPROVED, WHILE IM ON THE PHONE WITH CHASE informing them of fraudulent action on my account. I instantly make the claim for the {$500.00} dollar quickpay transaction that they APPROVED WHILE IM ON THE PHONE WITH THEM. 

I was informed that it would take 5-10 business days for the claim to process and if there was any updates, i would be contacted about them. Almost 15 business days go by so i decide to call the bank. They finally informed the claim was denied. NEVER contacted me through email or phone. The notes on the claim were that the transaction was approved because " these transactions were approved by me or someone i know ''. They could not provide the device ID, the ISP or any conclusive information. 

it is 2019, it is not unfathomable to think that my account can be hacked remotely and give the impression that these actions were done by me, that is the whole premise of hacking/fraudulent transactions. Chase is denying my claim although they can not provide anything tangible behind why they are denying it. They tried to claim my computer was hacked, even though i own a company encrypted laptop with antivirus protection.
Product: Debt collection

went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. I paid XXXX $ copay when I went there, hospitaldid my x -ray without giving me any estimate and without asking. I asked for estimate and I I was told that I will have to pay only co pay. On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. I am finding myself helpless in this situation. 
XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. Please help me to resolve this issue and take strict action against malpractice of Hospital .I REPORTED THIS AT CFPB WEBSITE Compaint number XXXX AND MEDICREDIT REPLIED ON XX/XX/XXXX THAT THIS CASE IS NOT WITH TEM, THEY RETURNED ACCOUNT TO XXXX HOSPITAL.. BUT TODAY I CHECKED MY CREDIT REPORT AND IT WAS REPORTED ON MY CREDIT FILE BY XXXX. Medicredit lied .because they were unable to produce proof. Company did not follow The Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

After seeing a promotional flier for a Marriot Rewards credit card from Chase Bank, my wife and I opened an account when promised XXXX points and a free one night stay at Marriot if we  spent {$3000.00} within the first three months of the account. 

We spent over {$4000.00} and still have not received the XXXX points promised to us. Chase/Marriott have switched the offer to something that we did not agree to in the application process. 

I have called Marriott Rewards five times about this issue and I have called Chase two times on this issue and it still has n't been resolved. 

XXXX XXXX XXXX ( Chase card last four digits # XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called and emailed several letters describing why and how the information that companies are reporting is inaccurate but the agency isnt requesting these companies to provide details information for them to verify
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. I did not do anything with any of my cars with them. They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Product: Credit reporting

I 'm a victim of identity theft and someone try opening up account in my name so there are a lot of inquiry on my report with TransUnion and XXXX, XXXX XXXX/XXXX/2016 I already have an account with them, XXXX XXXX/XXXX/2016 never open any account with them, XXXX XXXX and XXXX XXXX XXXX XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches and fraudulent items that has been removed before has been added to my report which is in violation of my rights and against the law, I am disputing the inclusion of inaccurate and fraudulent information on my credit report, as outlined in the attached documentation. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I am requesting the immediate removal of all unverifiable, inaccurate, and fraudulent information. These errors are adversely affecting my creditworthiness and do not accurately represent my credit history. Please conduct a reinvestigation and provide documentation verifying the of the disputed items being removed promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The items resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.