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

This company has been reporting inaccurate personal information on my credit profile.
Product: Debt collection

I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ).

I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt.

I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft.

XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).
Product: Student loan

On XXXX/XXXX/2016 I had called in to request a forbearance be placed on my account because I could not make the payments. During this phone conversation, I also requested that all of my loans be placed on an Income-Driven Repayment ( IDR ) plan. I was emailed the XXXX Request Form and the Income-Driven Repayment Plan Request Form ; XXXX applications were faxed to ( XXXX ) XXXX on XXXX/XXXX/2016. 
I called today XXXX/XXXX/2016 and was told that I am past due on my payments. I was also told that there were no notes made requesting any forbearance or IDR plans.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell XXXX XXXX  that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA XXXX XXXX is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I XXXX XXXX am having numerous problems with the staff and the management, at the local Wells Fargo bank in XXXX Va. I have had no income last year and this year I only worked for 3 months, I was very sick for 7 months last year and did not receive unemployment benefits even though I am legally entitled for. This year after my income trickled to a stop, I stopped by the branch numerous times to get them to close my account and they would either say they would close it or pretend to be busy or tell me I had pending transactions so they could n't close it. For example I have had penalties for a mortgage withdrawal from XXXX XXXX, even after they had sold my mortgage Since then they have been slapping me with penalties and have never closed either of my XXXX accounts even when there was a XXXX balance and they had promised to close it after I left ; and I have had to struggle with money. Please help me resolve this issue by having them remove my past penalties and close my accounts. If you contact me then I can provide you the records. But you must seize the data without letting them close the access to the data before an action is taken. I demand monetary compensation for all the aggravation, humiliation, insults and mental torture they caused me. At one time one of the staff managers refused to notarized my paperwork because he said my address was different on my drivers licence. Please help resolve this justly Thank you XXXX XXXX XXXX XXXX XXXX XXXX va XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Employer - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : - 1982 Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Employer - XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had an identity theft problem and had to dispute many credit inquiries that were made by someone else. XXXX and XXXX were very helpful in helping me do so. With their help, it got cleaned up, however Transunion would not help me. There was one inquiry on the report that was not mine and they told me I had to have written documentation saying I was a victim of identity theft. I talked to them a few weeks ago and attempted to get documentation from the company that the inquiry was made through. They would not give me any documentation. I told Transunion what happened and they wouldnt help me. I currently can not get it removed from my credit report.
Product: Credit card or prepaid card

this account was opened fraudulently. I never authorized this account. I alerted chase 3 months ago and they froze the account for fraud. but have yet removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous disputes to experian in an effort to get a false account removed which was a result of identity theft. 


FTC identity theft report number : XXXX I have sent them at least 4 separate disputes all with a federal trade commission identity theft report number on the upper right hand corner. 

All of which Where notarized and sent via certified mail with attached utility bills, proof of identity and my social security card. 

XXXX  and XXXX  have both followed Fair debt collection practices and have taken proper legal measures in the deletion & removal of this false account which has negatively impacted my ability to obtain Any kind of credit for my family and I. 

This is my 5th attempt to remove this false account, if this account is not verified with an original consumer signed contract or removed, I will take measures to proceed with legal action against Experian in accordance with section 609 of the Fair credit reporting act. 

Experian has not attempted to verify this account with an original singed consumer contract and my precise requests have gone ignored. 

Please follow suit and remove this account and hard inquiry that comes with it immediately. I urge you to follow suit please. 

I have commenced an additional Federal Trade commission identity theft report. 


Account name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX | Unverified Account FTC identity theft report number : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - Applied for credit card at XXXX XXXX XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response, asked to send verificaton documents. ( SSN, Drivers License, bank statement ) XX/XX/XXXX - Sent documents ; Comenity rep did not specify " back of card '' XX/XX/XXXX - Called Cominity line to inquire XX/XX/XXXX - Called Comenity, denied card due to documents not meeting requirements
Product: Checking or savings account

JUDICIAL NOTICE XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX Dear WELLS FARGO XXXX Hereby Judicial Notice is given : I XXXX XXXX XXXX XXXX XXXX am writing you today as an aggrieved man. WELLS FARGO does not have my permission and or consent to provide or share any of my private information with any public and or private entities. WELLS FARGO does not have my permission and or consent to share any identifying information to any public and or private entities connected to XXXX XXXX XXXX. WELLS FARGO does not have my permission and or consent to allow any entity, public and or private to place a lien on any checking or savings account XXXX XXXX XXXX has with WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate ; XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00} - I was never late on this acct. It was paid in full.. Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP. 

Lastly, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need this corrected at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed a fraudulent account on my credit report, from XXXX, for {$140.00}. The account is not mine. I have no knowledge of this account. I have reported this to Experian. I am asking Experian to remove the fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open Credit Card Account with XXXX XXXX and XXXX XXXX for over six months paid in full every month which is not being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PR XXXX Phone : XXXX Email : XXXX Date : XXXX, XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX Request to Dispute Negative Information on My Credit Report Under Consumer Law, 15 USC 1681 ( 0 ).

Dear Sir/Madam, I am writing to formally dispute the negative information contained in my credit report. I have reviewed my credit reports issued by the major credit bureaus ( Equifax, Experian, and TransUnion ) and have identified information that I believe is inaccurate, outdated, and harmful to my credit score. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with credit reporting rules, I am requesting that the negative accounts be removed from my credit report. 
Identification Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX The accounts I am referring to, which should be removed, include but are not limited to those marked as " charge-off '', " unpaid '', or any other label indicating negative information. These accounts have been previously disputed with the credit bureaus, and under the law, the negative information must be corrected or removed if it is not accurate or no longer reflects my current financial situation. In accordance with the FCRA and the rules established by the CFPB, I request that : 1. All negative accounts on my credit report that are not accurate or do not reflect the current status of the debts be removed.

2. Any errors related to my personal information, such as my name, address, Social Security number, and date of birth, be corrected if they are incorrect on my report.

3. A proper investigation be conducted into each account, and if the accuracy of the information can not be verified, it should be removed from my credit report. 
I am attaching supporting documents, including a copy of my credit report, payment receipts, previous dispute records, and a copy of my personal identification as evidence to support my request. 
In compliance with my rights under the FCRA and consumer law, I request that this dispute be processed and resolved promptly. I would appreciate the necessary steps being taken to correct my credit report and that I be informed of the outcome of the investigation. 
I look forward to receiving confirmation of the resolution of this matter as soon as possible, either by email or postal mail. If additional information or documents are required, please feel free to contact me. 

Thank you for your attention and timely resolution of this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My original complaint was filed back in XXXX. XXXX ( my original complain ) XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from XXXXhe County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes. 


It has been Months and there has been no resolution to remove the escrow from my statements and SPS is still trying to collect on my escrow payments. When I called in yesterday the representative I spoke with was unable to assist me any further other than providing me with another phone number to contact and SUBMIT ALL THE DOCUMENTS that I have already submitted numerous times. 

The county of XXXX XXXX - Representative, XXXX XXXX is the one that processed my request to have my property taxes exempt. XXXX XXXX XXXX XXXX XXXX XXXX # :XXXX. If you need to verify the validity of my property taxes being exempt, here is the contact information for the County of XXXX   Assessor 's office. 

Please REMOVE MY ESCROW FROM MY ACCOUNT
Product: Credit card

Synchrony bank is saying that the card belong to me but youre not provide proof of purchase on that card. I need to know what was bought with the card so I can dispute it because none of that on the card belong to me because I never shop at XXXX XXXXXXXX so you would have to tell me what was bought on that card so I could report it as fraud and reported to the police if you can not provide this information, you need to close this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 

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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. XXXX XXXX ; XXXX XXXX ; Equifax XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on XXXX credit cards with Capital One, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB in that complaint I informed FORTIVA as well as the CFPB that FORTIVA was in violation of multiple federal laws in theyre response to my complaint not only did they not resolve the matter in a way that was beneficial for me the consumer but also admitted to selling my information to a non affiliate third party without my consent or without giving me proper notice or a chance to deny them from disclosing my information to another party that party being XXXX XXXX XXXX XXXX which is a third party debt collector that I have no contract with nor was there ever an agreement for me to pay a debt to XXXX XXXX XXXX XXXX I also never received services or any kind of product from XXXX XXXX XXXX XXXX XXXX In my original CFPB complaint I asked that FORTIVA stop reporting the inaccurate account to my consumer report being that it is a charge off and according to the IRS a charge off is considered a certificate of indebtedness which is income they did not stop reporting the inaccurate account it still shows up on my consumer report and they tried to put the blame on XXXX XXXX XXXX for the inaccurate account saying I would have to contact them to remove the account when XXXX XXXX, XXXX XXXX reporting any negative account on my consumer report FORTIVA is and the account they are reporting is INACCURATE they also violated my privacy rights under the privacy act of XXXX when they illegally and unlawful disclosed without my consent my personal information to a non affiliate third party which was XXXX XXXX, XXXX I am demanding that this account be removed from my consumer report for multiple violations of federal and state laws unfair debt collection practices and violations of my privacy rights as well as potential TAX FRAUD for not sending me a 1099 so that I may file the certificate of indebtedness on my taxes this year I suspect FORTIVA may attempt to file the 1099 instead as a tax write off. Furthermore FORTIVA Did Not inform me of the transfer of my information over to XXXX XXXX, XXXX until AFTER the transfer was already made this is not proper notice but IN FACT an admittance of guilt FORTIVA admitted not only in the CFPB response letter but also in a email sent to me on XX/XX/XXXX almost a month after they charged off the alleged debt that they did indeed SELL my personal information to a non affiliated third party XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all the big companys got XXXX  listed differant i just want them to show same info
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions