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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX. Went to collections. Midland Credit Management is the collection agency. I paid them in full on XXXX XXXX, XXXX in the amount of {$580.00}. I have sent several dispute letters to the credit agencies because Midland is reporting inaccurately on my credit reports. It says that I failed to pay in XXXX of XXXX and XXXX of XXXX even though it says paid in full with a XXXX balance on the reports. They have tried fixing it but with no positive outcomes. They keep sending letters back that the information is verified. The only other outcome I desire is a removal of MCM off my reports. I have no other obligations with MCM. I am trying to get a mortgage in the next month or 2 so I can provide shelter for my wife and a XXXX we are expecting. XXXX XXXX removed themselves off my credit report for the said paid debt. I do not have time to go back and forth trying to correct a problem I have been trying to fix for the past 6 months. Its getting old and frustrating. When I call, no one can help me. I do not have the money to hire a lawyer and go into litigation with MCM. Its such a simple fix and everything can be resolved and I can go on with my life.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 


3. Incorrect Wrong Date of Birth : My correct Date of birth is : XX/XX/XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

Unfortunately, Ive been a victim of identity, theft, and XXXX data breach. My information was obtained and used fraudulently to open several account loans, credit cards and etc.. ive already contacted this company directly Navy Federal Credit Union to let them aware of this identity theft and that I will proceeded to file this report.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft due to the Equifax data Breach. I contacted the Federal Trade Commission and filed a FTC complaint # XXXX which is attached. There are accounts on my report which have been exposed Equifax data Breach. These accounts are hindering me from obtaining new credit and thus causing me much hardship. the credit bureaus are not listening to anything i say.

Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 { e ) I request that all the information circled on my credit report be blocked from my consumer credit file with your company pending your full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the Credit Bureaus. 

Please remove all accounts from my credit report. Thanks for your help with this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian twice to request removal of a collection in the amount of XXXX involving a collection company ( XXXX XXXX XXXX ) whose client is an online payday loan company not licensed in the Commonwealth of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and XXXX XXXX never sent me a notice that would allow me the opportunity to dispute the collection.
Product: Credit card or prepaid card

It was {$100.00} {$48.00} 2 times that was purchased on XXXX my information was compromised are trying to steal my XXXX XXXX account some online hacker XXXX XXXX   XXXX XXXX XXXX
Product: Checking or savings account

I am seeking help to rid my credit report and my early warning consumer services account of fraudulent accounts. Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, Branch Banking & Trust and XXXX bank have been made in fraud. I am currently contacting each bank but unable to come to resolutions concerning the identity theft. Attempts have been made to open a bank account from numerous banks that I have not authorized. I have completed several police reports and have made a identity theft report as well. 

XXXX county Sheriffs office identity fraud Reference # XXXX. 
Identitytheft.gov reference number XXXX
Product: Debt collection

I paid off a collection item on XX/XX/XXXX. The payment was made online to XXXX. I then received 2 phone calls from Affiliate Asset Solutions , LLC, one on XX/XX/2016 and one after XX/XX/2016 for the same debt. I faxed and emailed them the receipt as proof on XX/XX/2016. I received a letter from this company asking for payment. Letter is dated XX/XX/2016.
Product: Debt collection

I was contacted by a collection agency for an account I never opened at an address that was never my residence. An identity theft report was made to the FTC and a police report was filed. I requested copies of any applications, ID 's or contracts so that I could turn them over to law enforcement but the collection is refusing to provide these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear XXXX XXXXXXXX XXXX XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not priore as no XXXX right This or ony i can validate this de XXXX do not XXXX XXXX to notify me of this in witing 5 days XXXX XXXX XXXX XXXX ***- Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial informed me that they would be doing a soft pull on my credit report and it wouldnt affect my score but I see that I have a hard inquiry from them and its actually negatively impacted my score and its still reporting which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated according to FCRA 15 U.S Code 6801- Protection of nonpublic personal information 15 U.S Code 6802- Obligations with Respect to disclosure personal info I have not given any of these companies verbal or written consent to report my information. I have not been notified by phone or mail saying that they were going to do so.I do not give them consent either
Product: Credit reporting, credit repair services, or other personal consumer reports

ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ( XXXX ) XXXX open date XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$580.00} account # XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my XXXX set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.
Product: Credit reporting

I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has an issue with servicing. One XXXX XXXX associate told me they would stop payment, after dispute submitted, and return me my funds. Pending, 7-10 day investigation. I was then told I would be transferred to complete the return of funds. When transferred, the transfer was to XXXX not XXXX XXXX. And the person on the line had no idea what I was talking about. After some condescending discussions about what a dispute and a stop payment is and after he, white male, tried to shoo me away with a form, that we both determined at the beginning of the call didnt fit my situation. He then told me to hold on ; after sounding frustrated and hung up on me. After calling back and waiting an extended period for another agent, I was told the first agent that submitted the dispute was wrong on the recovery process. I do not care about these nonsense guidelines only used on the people who are responsible for these companies existence. Save that talk for a legislature or some entrepreneur ready to take a portfolio of subprime debt. I paid to have a debt removed by a date. It has been told to me, by the company, they will not provide assurance of the removal to me. Even though, when I paid, I was told I could call and get a form to show it was paid. So they didnt remove it by XX/XX/XXXX. They told me effectively they wont even begin the process until XX/XX/XXXX. Meaning it wont be off my credit until XX/XX/XXXX. Go back and listen to the call, I said, if it cant be off by XX/XX/XXXX, Im not paying. I was told it would be. So, XXXX XXXX committed fraud to get payment on a debt. Then, went to the bureau and stated it was paid. Only for them to update as a new debt with a new balance. Why would I pay them, only to let them, turn around and repost on my credit? All that 30 day wait nonsense is a policy used to maximize efforts to charge and punish. Up to 30 days, is not the same, as waiting until the XXXX day, at XXXX, to notify the bureau. When I only paid to have it removed before XXXXXXXX XXXX. We had a deal for a service they did not provide. Meaning, I shouldnt be response for paying for those terms. Any 1L law student could get that, but the folks at XXXX and XXXX XXXX dont seem to understand consideration, offer and acceptance. Digital currency or physical cash it doesnt matter. If I agree to pay for x and got c, then I need my money back for x. This isnt rocket science. Its called doing the right thing. Its not a magic wand as the XXXX  XXXX and XXXX  XXXX  associate tried to make it seem. Im not asking for a handout. Im requesting you as a bank and XXXX provider do your job. Call it a theft. Call it fraud. Call it bait and switch. Call it whatever you want, but it would be ridiculous to consider this as a harm to me, the consumer. A consumer is entitled to a receipt for their purchase. I dont have a receipt. No account manager to discuss with XXXX XXXX. XXXX XXXX is effectively acting like the good guy for doing a dispute, then they send you to XXXX who doesnt even know what youre calling about. In no way is this acceptable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXXXXXX ( b ( XXXX ) XXXX XXXX ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this complaint be issue Experian closed it and it was not completed nor satisfied to what was needed and requested.. I am including in this the items they requested. ..This is not a duplicate, who allows them to close it just because they said its closed when its NOT!. 

..I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. This includes all some have multiple entries. 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 XXXX XXXX XXXX XXXX Experian 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

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 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 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 XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX AND XXXX *XXXX XXXX 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 of 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

My rights of privacy have been damaged and breached by this bureau which may be a direct violation of federal law. This bureau is additionally in infringement of federal law by detailing inaccurate accounts on their site without my authorization. This bureau is detailing incorrect data on their site and concurring to the federal law, it is the bureau 's GRAVE Duty to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we discovered that were were victims of a phishing incident involving Wells Fargo and XXXX XXXX XXXX ( dba XXXX XXXX  | XXXX XXXX XXXX ). We received an email from our XXXX XXXX XXXX contact, XXXX XXXX containing a bank letter requesting that the account information be updated. The bank letter appeared to be from a Wells Fargo client relationship manager, XXXX XXXX, using the XXXX email address. They requested that we use the Routing Number XXXX, and the account number XXXX. The account information was updated via our bank, XXXX XXXX, and payments were made on a monthly basis in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We contacted our bank, XXXX XXXX, which closed our case immediately stating that these transactions were past the 30 day deadline to recover. We contacted Wells Fargo fraud claims department. Wells Fargo confirmed that there was an account number that matched the number we sent the funds to, but they could not share any additional information since we were not Wells Fargo customers. We contacted the XXXX XXXX XXXX vendor to ask if they could contact Wells Fargo on a call with us, but they declined. We are a small nonprofit and we can not afford to lose almost {$100000.00} to fraud. Please help.
Product: Credit card or prepaid card

In XX/XX/2019 I refinanced my house and my bank paid my Discover Card balance in full as per the telephone conversation the loan officer had with the Discover Card agent. 

I continued to get emails for a balance due. I contacted Discover Card and the problem was taken care of. They had not taken the interest on the loan into consideration when they gave the balance due. The Discover agent negated the interest and verified for me that my account was closed and I wouldn't be receiving any more bills. 

I continued to receive emails and additional amounts of money. I was able to have an agent put a stop to the bills when she checked my account and told me I wouldn't be getting any more emails. 

I continue to get emails for promotions and a balance due. I am not able to label the emails spam. The address doesn't fall into a category that will accept it. 

I want these emails to stop. They are harassment.