23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX sued me for a very old debt that was apart of a class action lawsuit with Santander. The debt was past the statute of limitations and I was not served or given proper notice that I was being sued. 

They have started to garnish my wages due to this illegally suing me for old debt and debt that was forgiven in a class action lawsuit.
Product: Credit card or prepaid card

Citizens Bank opened a fraudulent line of credit in my name that is negatively affecting my credit score. Apparently, this account should have been for my father, but they somehow got my personal information for it. The account and all contact information is for my parents down in California. I did not know about the account until I ran my credit for a home loan in XXXX. At that time I contacted citizens bank and informed them that I did not open an account with them. The conversation lead me to believe that the issue would be resolved. In XXXX of 2023, I saw that the issue was still not resolved, and the account is still showing on my credit score and causing significant negative impact. I spoke with citizens bank again, this time with my mother on the line who had initiated the contact with them. She explained that this was an error when setting up service where my information was entered instead of my father 's and the liability on the account should be on her and my father. Citizen 's bank again indicated that they would resolve the issue. They did not. I spoke with them a third time today after being put on hold numerous times and disconnected twice. They still have not resolved the issue. They are well aware that I did not open this account and that I should not have any responsibility for it, but refuse to make corrections on their end. 

I do not know what information they entered, I have never received a bill or card, so I can not provide a billing address or card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry from XXXX XXXX I monitor my credit regularly, and as soon as I saw this I disputed it with equifax and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. 
Equifax was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.
Product: Credit reporting or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/XXXX requesting that Transunion investigate into the inaccurate account ( XXXX XXXX ) that's reporting negative on my credit. On XX/XX/XXXX they have informed me with results of the dispute claiming the account was verified and updated, once again not providing proof of how they verified this account. I asked TransUnion to verify the amount, examine the purchase agreement & to provide me with the proof of my requests. They still have not done so. According to the FCRA, 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. 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 account XXXX XXXX. I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) of account XXXX XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. I demand the account be verified or removed immediately. As for the response you sent me of the results of investigation on XX/XX/XXXX, I am requesting a copy of the procedure your company followed in order to ensure that the information reporting for XXXX XXXX is completely accurate. Its 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. It is frightening to think that you did not do as you are governed by the FCRA and that other consumers might be affected having this type of information on a person 's credit report is unfortunate and severely damaging information on a person 's credit report is unacceptable. Please forward me the name of the person you spoke with at XXXX XXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. As I have said, this account is incorrect and should be deleted entirely. FYI, I DO NOT want a generalized response stating what you typically do in an investigation.
Product: Checking or savings account

Holds on Checks, freezing my account, excess overdrafts fees based on the checks, closing my account for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry from XXXX. I have a XXXX card and have not used it in well over a year. XXXX balance. I am not looking for a second XXXX card and did not request one for me.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX  - {$200.00} BANKCRUPTCY - XXXX XXXX XXXX  - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a tax lien that does not belong to me.
Product: Checking or savings account

I purchased something in a website that I currently reported for fraudulent activity. Im unable to get a hold of the seller through phone and email. I filed a complaint through my bank and they said they were unable to help me because I authorized the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF XXXX XXXX XXXX XXXX Account name : DEPARTMENT OF EDUCATION/XXXX XXXX  XXXX Account name XXXX UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : UNKNOWN # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes the report by more than seven years.

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

I am writing to express my profound dissatisfaction and concern regarding your failure to respond to my dispute dated XXXX Your lack of communication and the absence of investigation results constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), which has caused significant distress and financial hardships on my end. My dispute was submitted with the intention of rectifying the inaccuracies present on my credit report. However, to date, I have not received any response or communication from Equifax regarding my dispute. According to the FCRA regulations, credit reporting agencies are required to investigate disputes within 30 days and provide consumers with the results of the investigation. Your institution 's failure to adhere to these obligations is both disappointing and unacceptable, leaving me in a state of uncertainty and financial vulnerability.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 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 Transunion, XXXX, 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 TransUnion, XXXX, 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 XXXX, Transunion, 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 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is falsely reporting inaccurate information on my credit file regarding my XXXX XXXX XXXX account ( Account # XXXX ). Experian is the only credit bureau misreporting my payment status as Paid, was past due 30 days two or three times, while XXXX and XXXX both correctly report it as Paid or Paying as Agreed. This discrepancy raises serious concerns about XXXX failure to ensure maximum possible accuracy as required under 15 USC 1681e ( b ). Furthermore, Experian is wrongfully reporting late payments for XXXX and XX/XX/year>, which are completely inaccurate. If two other major credit bureaus are reporting this account correctly, why is Experian the only one making this mistake? This suggests either gross negligence or willful noncompliance with federal law. Under 15 USC 1681i, I am formally disputing these errors, and Experian is legally obligated to conduct a reasonable reinvestigation and correct this misinformation immediately. If Experian fails to correct this inaccurate reporting, it will be in direct violation of the Fair Credit Reporting Act, exposing itself to potential legal consequences for reckless disregard of federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a collection account on my credit report which does not belong to me I am a victim of identity theft, I reached out to the original creditor and to the collection agency and to all 3 credit bureaus and provided them with all the information they need and requested to remove the collection from my report at the same time the original creditor and the collection agency sent a request letter to all 3 credit bureaus to remove this collection account from my report XXXX and XXXX XXXX removed it right away *BUT EQUIFAX* did not remove it and its a few months already and this complain is for Equifax I'm on the phone for hold for hours and hours and I can not reach anybody, there is nobody to talk too,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX  I NEVER HAD LATE PAYMENTS XXXX XXXX  XXXX IS NOT MINE XXXX XXXX XXXX  XXXX  I NEVER HAD LATE PAYMENTS XXXX XXXX  XXXX  IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a did a credit report with experian and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a XXXX creditcard that was opened in 2015. 
I was XXXX XXXX XXXX in 2015. 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from XXXX saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.

The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.

1. I was NEVER late paying this account for this was PAID as AGREED and how come that you have reported past due account to a Collection/ Charge off XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable
Product: Debt collection

Lived at the XXXX of XXXX XXXX. I moved due the company failure to correct the mold in the apartment and Smoking neighbor in a non-smoking building. Explained that I had upper respiratory problems that can become a matter of life or death. Reported XX/XX/XXXX, air conditioner was replacing not the carpet. The smoking was never address. I informed XXXX of problem and gave a notice on XX/XX/XXXX that I was moving. Received a letter and calls from Pro-Collect of XXXX. Spoke with XXXX and Mangement company about the problem with pictures and letter from physician. The company never contacted me after receiving information and letter from my lawyer. 
Procollect did not remove it from my credit report. I have not heard from them since XX/XX/XXXX. Requested it be removed from my credit report. They appeared to try and hijack me for money I do not owe,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has inaccurate accounts and addresses that do not belong on there.
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 XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Equifax Credit Report Upon reviewing my Equifax credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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, 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 {$8100.00}, {$17000.00}, {$450.00}, {$28000.00}, {$10000.00}, {$19000.00}, {$7200.00}, {$13000.00}, {$30000.00}, {$19000.00}. 
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 ) -- CLOSED ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

after recently looking over my credit report, this XXXX account has been inaccurate for years and is affecting my life negatively. i do not owe this unauthorized account and need it removed. XXXX XXXX XXXX - XXXX please help.
Product: Debt collection

There are three collections reporting on XXXX all with amount of {$730.00} from XXXX XXXX XXXX but held with United Revenue Corp. I have filed disputes to XXXX regarding the three accounts - numbers : XXXX ; XXXX and XXXX. I have also asked for an itemized statement because I do not recognize these amounts because my Explanation of Benefits have not shown that I owe {$730.00}. So I have two concerns, the first being triplicate entries on my credit report which is harming my credit score and the second, I'm not even positive I owe this debt in the first place! According to the FCRA I should be provided with an itemized statement showing that they filed my health insurance claims that they are obligated to file.
Product: Debt collection

On Monday, XX/XX/year>, I received a statement in the mail identifying themselves as XXXX XXXX. I called to see if I can make a payment arrangement, I was informed I only had the option to pay the balance in full or in XXXX  months increments. I informed them that amount is extremely excessive, I dont have {$11000.00} or {$1200.00} a month. I was informed no other payment options were available unless I provided my income and monthly expensive. I provided job, salary and monthly expensive and was informed I only can do XXXX year for {$550.00} a month, then said I can do XXXX years {$430.00} a month. Then was informed nothing can be done unless I just pay a lump some of {$8600.00}. I informed them its no way I can make those payments, can I split it biweekly, I can only do {$100.00} biweekly. I was informed split payments were not an options and payment cant be lower than {$430.00} and if I dont start in XXXX they were going to find every way to get the money as I informed them I am unable to commit to the payment. They said a document should be in my email within XXXX  days, no document was ever sent or received. I want to file a complaint and dispute.
Product: Credit reporting or other personal consumer reports

lets get straight to it. Im reaching out because there are two accounts on my credit report from XXXX XXXX XXXX ( Accounts XXXX and XXXX ). Let me be clear I have no contract or agreement with them that has my signature. None. XXXX. So, I need these debts to be addressed and removed ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of these debts. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything something with my signature. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a deal with XXXX XXXX XXXX for both accounts XXXX and XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be deleted.
Product: Debt collection

I made an interest only payment one month on car loan and for 4 months now they call me 8 to 10 times a day on my home phone and cell phone. Most are robo calls.