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

1. XXXX Credit reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 2.Trans-union credit Reporting Agency couldnt provide me Method of Verification however you allowing XXXX, XXXX and XXXX to add items to my credit profile, and l am suffering the repercussions. 
l sent numerous letters with my driver license, copy of my social security card, utility bill and bank statement despite all these documentation - they still reporting wrong data. And violating the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1681i ] ( a ) 3. Name on current credit cards or bank loans reporting on my credit file does not match my name or address l attached my current Driver License Utility Bill and Social Security Card
Product: Credit reporting or other personal consumer reports

The company is Sunrise Credit Service reported information to XXXX on XX/XX/year> that the account was in derogatory state and first of all I have no knowledge of who this company is nor what kind of account are they talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The below listed accounts are in violation of my federally protected rights and privacy under 15 USC 1681 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - XXXX XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime, which add a date to the report by more than seven years.

15 USC 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 calls to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 View full complaint
Product: Debt collection

I am unaware of this debt, someone has been using my name to obtain credit and I'd like this removed immediately
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company CCS Collection Systems and XXXXXXXXXXXX XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and XXXX for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX  # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on Credit Report with XXXX and XXXX. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong to me.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

We have had problems with this account since we have had it!!!!!! They have been XXXX since my wife has had this account and have always problems. 
I have been put on her account numerous time as manager which allows me to make changes and disput bills. Every time I call in to do this they give me a hard time as well as my wife!!!! 
Today I talked a XXXX who refused to give me information on account and was rude and XXXX!!!! I also talked with his supervisor XXXX which was not no better. 
XXXX XX/XX/XXXX I called and talked with a lady do not have her name. 
This cocerning a charge for XXXX charge from XXXX for credit monitoring, we missed a payment in XX/XX/year> and late charge was XXXX equalls XXXX which should not be any charges. XXXX they charged us again XXXX late fee and refused to remove charges. 
There should have been no more charges account should be XXXX balance. 
I want fee of XXXX credit back to me and a check issued. 
We will no longer use this account. 
I have different accounts with Capitalone and they treat me different not they way they treat my wife because she is XXXX.
Product: Mortgage

Our mortgage was transferred to Santander Bank, N.A. from our original lender two years ago, and for the past two years they have failed to provide us basic documentation with regards to our account. We don't always receive monthly statements and we never received a complete statement outlining the details of the mortgage transfer from our previous lender. We have also repeatedly asked them if we are able to find any of this information via a self-service portal, but they have failed to provide such a service to us. 
Now, we have been fighting with their customer service team for over a month ( since XX/XX/2018 ) just to try to get our XXXX form for taxes which they are legally required to provide to us! It is now XX/XX/XXXX and our accountant can not file our taxes by the XX/XX/XXXX tax deadline due to this missing document! We have spent over 3 hours on the phone with them this morning trying to resolve this issue and they still refuse to provide this document to us in a timely manner. As a mortgage servicer, the XXXX form should be a standard document that they provide all customers. If they can not provide this simple form and other simple documentation to us, then what else are they making errors on?
Product: Payday loan, title loan, personal loan, or advance loan

Was on XXXX XXXX and so I had an option to get a personal loan through best egg. Took the offer and applied for it. Excepted the offer through XXXX XXXX and applied for it. It got sent to best egg. They never contacted me about the loan. I tried calling them to get any information about it because the loan amount I applied for through XXXX  XXXX  was too high and I wanted it lower and to also have a lower payment. The lady I spoke with on the phone said she would have someone call me back and I never heard back. The next thing I knew was I was funded for a loan because I got a text message saying that I was going to have money wire transferred to my account. I never received any loan documents never signed any documents never got any phone calls just a wire transfer. I called them to try to get the wire transfer rescinded and cancel it and they would not let me do it. They would not work with me or anything else. I could not even login to review or see any of the information for the loan documents that I just uploaded or find out any information until today which is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a bank account and I got a hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

In according with the fair credit Reporting act XXXX Account # XXXX, has violated rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without m written instrustions.

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

recovery portfolio has consistently contacted me via phone calls to collect on a closed and written off account. which I have told the advisors that called I am not paying a debt that will not remove the debt from my credit report I initially contacted this company to pay the debt the company informed me that it was in collections and was written off. After viewing my credit report, it was a written off account. once contacted by the collection agency I said this is a written off and closed account therefore I will not pay this account and asked this company to refrain from calling me. and all of this occurred in XXXXXXXX XXXX, I also asked an advisor if in the event I were to pay this account would you remove it from my credit and the advisor stated they would not. therefore, I advised the agent I would not arrange a settlement or pay that written off account due to the original debt holder has insurance and closed the account and wrote it off and was compensated for it. Now once it has been on my report for 7 years it will fall off so I will wait it out. I want this company to cease contacting me concerning a closed and written off account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Experian and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

Opt-Out Request for Credit Reporting I am writing to formally request that you exclude my personal information from your credit reporting system. As an individual concerned about my privacy and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I wish to exercise my right to opt out of the credit reporting services provided by your agency. As a federally protected i am now opting out of XXXX  and all authorization i the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6082. Which States : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

COMPANY : XXXX  ACCOUNT NUMBER : XXXX Please be advised that I understand the implications of opting out of credit reporting. By choosing to opt out, I am aware that it may limit my access to certain credit opportunities, as lenders often rely on credit reports when evaluating loan applications. 
Nevertheless, I am committed to maintaining my privacy and believe that the benefits of opting out outweighs any potential drawbacks. 
To assist you in processing my opt-out request, I have provided the necessary information below : Full Name : [ XXXX XXXX ] Social Security Number : [ XXXX ] Date of Birth : [ XX/XX/1984 Current Address : XXXX XXXX XXXX XXXX XXXX Georgia [ XXXX ] I kindly request that you update your records to reflect my opt-out preference promptly. 
Furthermore, I request that you notify all affiliated credit reporting agencies about my decision to opt out, ensuring consistency across the board. 
Please acknowledge the receipt of this opt-out request in writing within XXXX XXXX of receiving this letter. Additionally, please provide a written confirmation once my opt-out status has been processed.
Product: Debt collection

I paid a XXXX bill XXXX of {$200.00}. I lost my receipt. I went back to the XXXX office here in XXXX and was told they could not give me a copy of what I had paid. The bill is still showing as not being paid on my credit report. The debt is listed as being in XXXX account number XXXX.Tthey are telling me I have not paid this debt.
Product: Checking or savings account

XX/XX/2022 OPEN marcus saving account and deposit XXXX XX/XX/2022 deposit XXXX My account was locked with noreason in a few hours later I called customer service several times and they told me they didn't know why Marcus customer service, no one can solve this problem
Product: Debt collection

Consumer Adjustment Co is reporting a negative collection account on my credit report ( XXXX, XXXX, XXXX ) The debt is from a hospital called, '' XXXX XXXX Hospital '' located in the state of Missouri in which I do not live in. I have never received any services from that named hospital and have informed the debt collection agency that this fraud. I have been a victim of severe ID theft. I have provided the agency with proof of my dispute of fraud and this account is still listed on my credit report, reporting negative every month. I have sent in letters directly to the agency and also have done a direct dispute with the actual credit bureaus. I'm at lost of what to do now ... .. I just need for this fraudulent account to be removed from my report.
Product: Checking or savings account

My identity was compromised by someone and my XXXX  check went to a fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1957 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute and request a thorough investigation into the inaccuracies present on my credit report. I believe that the following violations of federal law have occurred : Violation of Fair Credit Reporting Act ( FCRA ) - Accuracy and Completeness ( Section 607, 15 U.S.C. 1681e ( a ) ) Incorrect Personal Information - Current Address Incorrect Personal Information - Previous Address Erroneous Bankruptcy Entry Questionable Account - XXXX XXXX ( Account Number : XXXX ) Questionable Account - XXXX XXXX ( Account Number : XXXX ) Unrecognized Account - XXXX  XXXX ( Account Number : XXXX ) These inaccuracies have significantly impacted my life, causing undue stress and hindering my ability to secure favorable financial opportunities. Allow me to share a deeply personal account of how these issues have affected me : Over the past several years, I have diligently worked to establish a stable financial future for myself and my family. However, the presence of these inaccuracies on my credit report has cast a cloud of uncertainty over my efforts. As a result of these errors, I have been denied opportunities to secure affordable loans for important life milestones, such as purchasing a home or financing my child 's education. 

The incorrect address listings have led to misunderstandings in my financial dealings, causing delays and miscommunications that have led to lost opportunities. The inclusion of erroneous bankruptcy entries and questionable accounts has further exacerbated the situation, making it incredibly challenging for me to regain control over my financial well-being. 

I must emphasize that I am not the owner of the bankruptcy case listed under Case Number XXXX or XXXX. Additionally, the accounts listed under XXXX XXXX ( Account Numbers : XXXX and XXXX ) and XXXX XXXX XXXX ( Account Number : XXXX ) raise valid concerns about the accuracy and legitimacy of the reported information. 

Given the tremendous emotional toll these inaccuracies have taken on my life, I implore you to enforce the legal protections afforded to consumers by diligently investigating and rectifying these violations. I kindly request that the credit reporting agencies promptly remove the aforementioned unverified accounts from my credit report to ensure that my financial history is an accurate representation of my actions and responsibilities. 

I eagerly anticipate your investigation and resolution of these issues, which have taken a significant toll on my life and financial prospects. I remain committed to working toward a better future for myself and my loved ones, and I believe that your intervention will play a pivotal role in achieving this goal. 

Thank you for your time and attention to this matter. I look forward to receiving updates on the progress of your investigation. 

Sincerely, XXXX XXXX