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

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX IN RESPONSE TO CFPB : XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXXXXXX XXXX THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX XXXX  REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s )
in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

PENNYMAC XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$1800.00} {$1800.00} {$2000.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290000.00} {$290000.00} {$300000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$300000.00} {$300000.00} {$300000.00} XXXX XXXX : {$0.00} {$0.00} {$0.00} Past Due : {$19000.00} {$19000.00} {$19000.00} Payment Status : Late 120 Days Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - XXXX XXXXXXXX XXXX XXXX mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month 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 Payments are made on time but are reported as late. Although payment made on time it is shown 120 days late on one bureau and 180 days late. Incorrect / inaccurate reporting
Product: Checking or savings account

1 ) I get in agreement to do a survey 2 ) {$3000.00} check was sent to my mail 3 ) the check was sent to do a survey by purchasing XXXX XXXX XXXX XXXX XXXX XXXXXXXX & report a survey I found during purchase XXXX ) I have to send the copy of the gift card & receipt thru.email XXXX ) after I deposited the check on line I went to WF office to confirm the deposit is correctly deposited & cleared for transaction 6 ) secondly before I left WF office I have raised my limit to {$500.00} thru the phone number ( XXXX ) XXXX & the limit increased 5 ) after this most of the purchases was made from WF account except one from my another account 6 ) after I completed my assignment on XX/XX/year> they reversed the deposited check of {$3000.00} & my account showed a -ve balance 7 ) I went to WF office & they told me it was a bad check 8 ) I also reported to WF report phish long awaited the result
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed an inaccurate account reporting
Product: Debt collection

I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, has violated my rights.

1

5 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/XXXX of 2023. I contacted the debt collector. I stated that it was not my debt. I have never owned anything from XXXX so I should not have any collection. I stated the collection was not mine. On XX/XX/XXXX of 2023, the collection was updated only to say I have not paid the debt since XXXX of 2023. This is not my debt. This is unknown to me. I need this taken off of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Product: Money transfer, virtual currency, or money service

The morning of the XXXX of XXXX, when I woke up I tried to access my CoinBase account to withdraw my money and found out that my account was " under review '' and all my money was locked. I can not withdraw, exchange or even add funds to my account. I sent a ticket to CoinBase support and they pointed me to fill out some personal details that were already filled out when I registered. I changed the tiniest details so they would match my ID as best as I could, thinking that might be the problem, but that did nothing to solve it. I uploaded my ID and my driver 's license 's pictures as a verification several times to no avail ; far from helping me solve the problem, now my account needs to be verified through this method ( uploading ID picture ), and it won't accept the pictures no matter how clear they are and how easily readable. 

I contacted CoinBase support again, pointing out that I had found this new problem and that I needed a solution to access my money, but they just told me to stop messaging them as " it would only slow down the process of reviewing my account ''. I have no idea why it was being reviewed as I have not made any strange money movements ; in fact, I didn't move any money or exchange currencies since several days before this issue, so the account was untouched.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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
Product: Debt collection

To whom it may concern : paramont Recovery System This complaint is regarding account # XXXX, which you claim I owe {$560.00} for a collection account. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute currently, that I could barley submit with discover because of such a difficult time with the methods that they prescribed and the lack of availability of said methods to effectively communicate to them. After I was finally able, by other means, to notify them in writing because the phone conversations went nowhere and false and inaccurate information was provided to me on numerous occasions. The attached files are evidence to show that they falsely claimed to have resolved the issue even though they have yet to even respond to the dispute via the CFPB portal. I did receive mail, see attached, yesterday XX/XX/XXXX the letter was dated XX/XX/XXXX about how they are required to report accurate information to the cra 's and they must report as disputed unless I advise them to remove the dispute status. However, its clear there has been no resolution, in spite of what is reporting on only the XXXX report. The other agencies make no mention of any dispute at all.
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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account XXXX : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXount Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX XXXXXXXX nor XXXX FOR ANY DEBT.
Product: Debt collection

There is an old outdated item listed which I feel is past the statute I disputed and requested validation and nothing has been received. Please help me
Product: Debt collection

Capital One is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.
Product: Debt collection

I am filing a formal complaint against MRS BPO , LLC, a debt collection agency, for the following reasons : Incorrect or unverified debt reporting : MRS BPO is attempting to collect a debt that I do not recognize or have not received proper validation for.

Failure to provide debt validation : Despite my written request for validation, the agency failed to provide adequate documentation proving the legitimacy of the debt.

Potential FDCPA violations : MRS BPO may be engaging in unfair collection practices, which could be in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXX XXXX XXXX  ; Account Number : # 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 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 XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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.

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 or other personal consumer reports

I have disputed on numerous occasions that an account called XXXX that is listed on my credit report doesn't belong to me. Anyway, the Fair Credit Reporting Act clearly states that all the information on a person 's credit report must be accurate and complete and if any information is missing then that makes the credit file incomplete and thus should not be listed one 's credit profile. On all three credit bureaus the date of last payment is missing. The date that the account allegedly went into delinquency is different with all three credit bureaus. The amount owed is different with all three credit reports. 
The removal date for this account is different on all three credit bureaus. So, therefore this account is inaccurate and should be deleted from my credit report immediately and this account doesn't belong to me as I am a victim of identity theft
Product: Payday loan, title loan, or personal loan

The issue that I'm having with these collector is long and it has been going on for a way longer than this should had, first I tried calling the collector trough phone number ( XXXX ) but then an automatic call recording told me that they're not taking calls at the moment and told me to reach them trough email so they can reach me back, at first I just keep calling at different hours and different dates to see if I could have more success of reaching them but they where still always not available so I decided to contact them by mail and unfortunately up to this date I still haven't had the success of reaching a representative to just pay the balance that the account is listing on my credit report so It stops affecting my credit score.

This is just frustrating because it has been taking me more than a month ( not including past one time call attempts ) to just try to contact the collection agency and pay my account so it stops affecting my credit, Keeping on mind there is nowhere I can go to pay, no phone number to call for a representative and pay, only send email and wait for a response that its actually taking more than what they promised. They just reply to me with what appears to be automatic emails and they don't help me pay the account. They also promised to call me back and they've been having me waiting for a call from them, which is what also frustrates me a lot too.