23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Hunter Warfield IncXXXX XXXX XXXX XXXX XXXX ; CFPB, I am writing to formally dispute an alleged debt of {$12000.00} reported on my credit report. I was in XXXX during the relevant period and have no knowledge of this debt, nor have I entered into any contractual obligations with your company or the original creditor. This account appears to be fraudulent. 

The reporting inaccuracies violate FCRA and FDCPA regulations. To resolve this matter, please provide the following documentation : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

Legal basis for the collection of this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete account history, including all collection-related charges.

I am also filing a complaint for violations of my consumer rights under the FCRA and FDCPA, including : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Per 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to this account. Additionally, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Please delete this disputed account from all credit reporting agencies immediately. Failure to comply may result in further legal action to protect my rights and interests. I require proof of this debt and your authority ; otherwise, please remove any erroneous reports of this debt from my credit report.

Thank you for your prompt attention to this matter. 

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

Equifax is requiring me to mail confidential documents to their headquarters to receive my credit report, but is not paying for my postage. So obtaining my credit report is NOT free as dictated by federal law. I would like to receive a free copy of my credit report that does not involve me spending money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a tax liens filed for {$150000.00}, {$6400.00} and {$2000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I moved to Nevada in XX/XX/XXXX and filed Chapter XXXX Bankruptcy in XX/XX/XXXX. 
All items items were included in the Bankruptcy and was discharged XX/XX/XXXX. All are currently reflected on my Transunion credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue I have been experiencing with TransUnion regarding inaccurate information on my credit report. Despite repeated efforts to address this matter directly with TransUnion, the inaccuracies remain unresolved, negatively impacting my creditworthiness and financial stability. 

Background I reviewed my TransUnion credit report and identified the following inaccuracies : 1. Student Loans : My credit report contains student loan accounts that are inaccurate. These loans either do not belong to me or reflect incorrect balances and/or statuses. I have contacted TransUnion and provided supporting information to demonstrate the inaccuracies, yet these accounts remain on my report.

2. Hard Inquiries : Several hard inquiries are listed on my credit report that I did not authorize. These unauthorized inquiries have negatively affected my credit score. I have repeatedly disputed these inquiries with TransUnion, but no corrective action has been taken.

Steps Taken I have made multiple attempts to resolve this matter directly with TransUnion, including : Submitting formal disputes through their online dispute portal and via certified mail.

Providing documentation to support my claims, including identification, proof of address, and records verifying the inaccuracies.

Following up with TransUnion customer service to check the status of my disputes.

Despite these efforts, TransUnion has either failed to correct the inaccuracies or has provided unsatisfactory responses.

Impact The presence of inaccurate student loans and unauthorized hard inquiries on my credit report has resulted in the following consequences : Lowered credit score, which affects my ability to obtain credit on favorable terms.

Emotional distress caused by the lack of resolution and the time-consuming nature of disputing these inaccuracies.

Potential loss of financial opportunities, including credit approvals and favorable interest rates.

Request for CFPB Assistance I am requesting that the Consumer Financial Protection Bureau intervene to ensure TransUnion complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I ask for the following : 1. A thorough investigation into the inaccurate student loan accounts and unauthorized hard inquiries.

2. Immediate removal of the inaccuracies from my credit report.

3. Assurance that TransUnion updates its procedures to prevent similar issues in the future.

Conclusion I trust that the CFPB will take this matter seriously and hold TransUnion accountable for its obligations under the FCRA. Please do not hesitate to contact me if additional information is required. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

Reporting scores as low average which is wrong because all my bills are paid on time which is making me be denied credit consolidation loans. Also loan interest is triple the loan amounts.
Product: Debt collection

I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX CARD, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX This account was settled but its still showing a balance, please remove it. 

Account : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account, please remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX BANK XXXX ( Original Creditor : XXXX BANK ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX This account was paid in full ( never settled ), so its wrong, please remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : This account was paid in full ( never settled ), so its wrong, please remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX, XXXX Authorized Representative On Behalf Of XXXX XXXX XXXX : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In early XXXX I was checking into rates for debt consolidation loans, I filed out some information but didn't accept any of the loans because I didn't have the paper work needed at the time and my bank wasn't on the list of banks pulled up for deposit. I didn't think any more about it until {$600.00} was deposited to my account on XX/XX/XXXX. I emailed the company on the XXXX with questions and they replied that they needed more information so I sent them the information they requested. I got no reply so I emailed again on the XXXX trying to find out if they could take the money back and after waiting several days I found a phone number and called on the XXXX, the person I talked to said they couldn't help me and connected me to someone at national small loan and the lady I talked to there said she would talk to her manager and to stay by the phone because they would call back I have yet to hear from them, and the money is still in my account. I am trying to build my credit up and I don't need this looming over me, I can't afford the payments they have set and I just want them to take the money back and cancel the account.
Product: Debt collection

XXXX XXXX XXXX XXXX ct XXXX MD XXXX XX/XX/year> Midland Credit Management XXXX Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Request Account Number : To Whom It May Concern : I am writing to formally request that Midland Credit Management , IncXXXX cease all communication with me regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this debt. As such, I request that you : Immediately stop all phone calls, emails, and written correspondence related to this debt. 
Refrain from attempting to collect this debt or report it to credit bureaus. 
Provide written confirmation of your receipt of this request. 
Please be advised that any further attempts to contact me or take action regarding this matter will be considered a violation of my rights under the FDCPA, and I will not hesitate to report such actions to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General 's office. 

Additionally, I request that you send me written verification of the debt, including the original creditor 's name, the amount owed, and any supporting documentation, as required by law. If you have already provided such verification, please do not contact me again unless legally required. 

Thank you for your attention to this matter. I expect that you will honor my request and cease all further communication regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax had a data breach and I have inquires on my report that were not allowed by me and they will not remove them as well as other negative items
Product: Mortgage

Please see my earlier complaint which you closed based on Bank of America feedback. They are lying. Today, XX/XX/XXXX, I received a package from BOA with a letter stating here is the payment history you requested. 

They have sent this many times. Every package I have received DOES NOT INCLUDE A PAYMENT HISTORY FOR XXXX, WHICH IS THE YEAR IN QUESTION. SAME THING TODAY. HISTORY STARTS IN XXXX. I need the XX/XX/XXXXhistory which is when the note was modified. They changed it from 26 years to 40 years and also charged {$740.00} in late fees. 

Why is the case closed when they are still not sending correct docs? The XX/XX/XXXXhistory will prove we made ALL the pmts up until the modification date yet we were charged XXXX in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

last reported XX/XX/2019 Balance {$360.00} Mailed and fax disputing this account.

Called the hospital and also disputing this account to them, no change.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Equifax will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX Account Number XXXX
Product: Debt collection

on XX/XX/XXXX i saw i had collection on my report and i requested that this debt be validated and verified this company failed to do so
Product: Credit reporting or other personal consumer reports

They are charging me and I cant stop them from charging me they are causing me overdraft charges Ive called had them stop asked to have my account deleted and now all of a sudden they are attempting to steal money and charge me AGAIN
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Product: Checking or savings account

Around XX/XX/XXXX, just like many others, I received invitations to open checking accounts with promotional offers from many financial institutions like Citizens Bank. After careful review of terms and conditions, I opened a checking account with a {$300.00} welcome bonus offer. I fulfilled all the requirements including the minimum deposit and set up direct deposits from my pay roll company. Ive attached terms and conditions for this offer to be reviewed and Citizens Bank confirmation that the account was succesfully approved with promotional offer XXXX and XXXX XX/XX/XXXX to receive the bonus advertised. On XX/XX/XXXX, after not receiving the bonus, I called Citizens Bank customer service for about an hour to find out that my offer was not honored due to a system error, being the code confused with a HELOC offer instead and the only solution provided was to wait another six months to apply again with no certainty about the amount of the welcome bonus then. This is clearly unfair and deceptive practices and I expect Citizens Bank to honor their terms offered considering that I complied with every single of the conditions required.
Product: Credit reporting or other personal consumer reports

I am not responsible for this debt, nor do I have a contract with XXXX XXXX XXXX Account # XXXX. Could you please request that they provide the original contract bearing my signature, along with the correct home address as shown in the uploaded documents, that clearly states that I have agreed to pay them or owe them any money. If they can not provide proof of original contract I demand correction to my credit report and the account to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : original consumer contract with my signage on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETEED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Experian Credit Report immediately : XXXX. XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-oinvestigation. Be advised that the description of the [ rocedure used to determine the accuracy and completeness of the information of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account XXXX XXXX XXXX Account # XXXX XXXX  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 15 U.S.C 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
Product: Student loan

as of XX/XX/2018 my nelnet total balance was {$4000.00} with " standard '' repayment option and {$120.00} of payment scheduled on XX/XX/2018. XX/XX/2018 I received an email from nelnet notifying that there is balance adjustment. I logged into my nelnet account on XX/XX/2018 and I found my balance as {$4700.00} with " pay as you earn '' repayment. my interest rate for my accounts are 4.25 % and 3.15 % and i feel like nelnet made balance and repayment option change to earn extra money.
Product: Credit reporting

I have disputed with the credit bureaus and XXXX several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that XXXX no longer has the loan and I do n't understand how the credit bureaus and XXXX are reporting and updating my credit report showing late payments when they no longer own the debt any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE THEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( TRANSUNION ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( TRANSUNION ) XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX )
Product: Credit card or prepaid card

I am filling a complaint with Target Red Card. I have been a client since 2014 and I have always paid my bill on a timely manner. If I am using my bank account to pay my bill on or before the due date it is out of my control if it's late. Also If I make a payment in the store and it does not go through on the date it's due that is out of my control also. This has happened more than once and I have to keep calling them to remind them of this situation but they still consider it a late fee. They also did not correct or credit all my returns from last year and this year back to my credit card. I should have at least {$1000.00} on my credit including all the payments I made. Everytime I call them about this situation or problem they are rude and disrespectful and do not want to correct the problem they made on my account they hang up on me when I asked to speak to a supervisor and sometimes the supervisor is rude and hangs up to. I would like them to credit all the returns and fix my available credit on my credit card. They know they screwed up on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I found out that a credit card issuer pulled a report from Sagestream I immediately contacted them via Fax as mentioned on their website alongwith identification requirements.and requested them to provide a copy and also freeze my credit report. This was sent on XX/XX/2019. After 10 days elapsed and no response from Sagestream I decided to call but was prompted by automated system to leave a message and that they will call back in 1 business day. I waited 1 week for response and repeated the process 4 times at weekly intervals but never heard back. Then I faxed the documents again on XX/XX/XXXX and finally sent a letter via USPS certified mail on XX/XX/XXXX and received acknowledgement of receipt of the letter but still no response. 

In summary, I have faxed twice, called and left message 4 times and sent documentation via USPS certified mail once and there is absolutely no response from the company. It is now 6 weeks from the first time I tried to contact them.