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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX 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

Here are three entries on my credit report that I received a notification they were being deleted. The first date is the date I received the removal notification. All three of these accounts have magically appeared back on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the date on this account is XX/XX/XXXX - isn't that too old to be on a report?
Product: Credit reporting or other personal consumer reports

tI previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requiremets
Product: Debt collection

They called a few times already. But leave no message or whatever. I do not know who they are but I did XXXX there number. It could be from when XXXX XXXX is paying XXXX dollars of bad debt practices to consumers so my other debts might have been paid to them. But nothing in my mail or anythingelse except there phone calls but not leaving messages is harrassment anyways.
Product: Credit card

This is regarding the XXXX credit card. I have attempted on multiple occasions to set up payments for this card. Despite repeated efforts, my auto-payments have either been " forgotten '' or not set up correctly and as a result I have incurred late fees and interest. I have spoken on the phone with Wells Fargo about this twice. 

I am a fairly savvy credit card user and have never been late on a payment or carried a balance. I have never had so much trouble and so many issues setting up payments for a credit card. XXXXWells Fargo has obfuscated the process so severely that I have been unable to make timely payments even though I have the desire and means to do so. 

I also have a family member who experienced this same issue and warned me of it prior, so I was particularly careful when setting up my account. From a brief XXXX search it is clear that many people are having this same problem. There is clearly an issue with XXXXWells Fargo 's platform that they are conveniently benefitting from. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. {$240.00} & XXXX XXXX XXXX ( Paid charge-off ) There is no valid claim, no contracts exist ... accounts were settled with creditors by and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). I have never been late or had an account charged off. 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

Afni, Inc, keeps sending me collection notices saying that I owe them {$520.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Afni, Inc, keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Afni, Inc for a contract with my signature obligating me to this debt which they have not provided.
Product: Mortgage

I did all this before by a nice conversation with someone regretfully i did not write down their name. 
Back in XX/XX/XXXX i started working with XXXX XXXX at Wells Fargo trying to get my payment lower as my savings in the bank with nothing left but monthly social security check. It was impossible to pay {$1200.00} a month with social check of {$1400.00}. 
So i was told not to worry she would send me forms and tell me documents to send. 
I did all that. She sent me an email XX/XX/XXXX that everything looked good, She is send it up to adjusters to get a mortgage payment of {$500.00} to {$900.00} and then i will start paying again. 
They sent be a Forclosure earlier this year and i got XXXX to represent me, There payment was to take {$750.00} every 3 months to get my payments down, Then they put my house on auction for XX/XX/XXXX. I Have Begged them to let me start paying every month but will not let me do anything. 

I was told get a trailer for $ XXXX.to {$350.00} a month 1-2 bedrooms. 
I NEED immediate help i am having XXXX XXXX and i do not know if i can live through another XXXX XXXX, Any suggestions. phone XXXX
Product: Debt collection

on XX/XX/2018 this account that was obtain by someone who stolen my identity, open a loan under my name, I never apply for this loan, I spoke to the collection department of the XXXX XXXX XXXX and they didn't want to help they just wanted the payment of {$2800.00} I explain to the representative and they suggest me to pay the balance and they will stop calling and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card Paid off in settlement The balance is now XXXX Experian is showing account paid written off XXXX which is not true. 

I have a letter from XXXX showing current balance owed is {$0.00} And no written off of XXXX Experian once again showing false information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report there are seems to be accounts that are misleading and needed verification for their erroneous reports. I already sent the necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. so kindly verify these accounts : XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Dispute Case # XXXX Dear LexisNexis Consumer Center, I am writing to formally dispute inaccurate information contained in my credit report. Despite submitting a complaint on XX/XX/year>, and receiving your response on XX/XX/year>, the incorrect information remains unresolved. Below, I have detailed the issues and provided supporting documentation. 

Issues to Address : Incorrect Name on Credit Report : The name " XXXX XXXX XXXX '' is erroneously associated with my credit report. My correct name is " XXXX XXXX XXXX. '' This incorrect name is causing confusion and inaccuracies in my credit history. 
Supporting Documentation : Credit Report from LexisNexis : Showing the erroneous entry " XXXX XXXX XXXX '' as provided by XXXX XXXX XXXX and other sources. 
Identity Theft Report : FTC identity theft report indicating misuse of my identity. 
Attorney 's Letter : Attached is a letter from my attorney supporting my claim. 
Utility Bill : Copy of my utility bill for identity verification. 
Actions Requested : Immediate Removal of Incorrect Name : The name " XXXX XXXX XXXX '' must be removed from my credit report as it does not belong to me. 
Correction of Personal Information : Ensure that only my correct name " XXXX XXXX XXXX '' is associated with my credit report. 
XXXXerification Procedures : Provide a description of the procedures used to determine the accuracy and completeness of the disputed information as per my rights under the FCRA. 
Notification of Changes : Furnish notification of the deletion of disputed information or a dispute statement to any person who received a LexisNexis consumer report for employment purposes within the past two years or for any other purpose in the past six months. 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX Email : XXXX Please confirm receipt of this dispute and provide a timeline for resolving these issues. Should you need any further information, feel free to contact me at the provided phone number or email address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Regarding : Consumer Financial Bureau Case number : XXXX I have not received the following information : the contract between your company and XXXX showing your company owns this debt. As well as proof of debt showing a detailed print out of all payments and adjustments within the next 5 business days as this was previously requested.
Product: Debt collection

Keep getting letters and calls from collection agencies saying I owe money that I never knew I had since my identity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt in fact exists. There has been no response or update to my credit report.
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. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are not mine on my credit report. Additionally, there are addresses that I do NOT recognize and my names aren't correct that are listed in my personal file. Please remove them immediately. Thank you.
Product: Mortgage

Wells Fargo denied me a A refi on my mortgage which caused me to go in a foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XXXX WHEN IT WAS REPORTING XXXX OF XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 open a loan and said deliquescent in report
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. There are also inquiries that were not authorized by me. With that being said, that also makes me avictim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. **Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. **You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. **Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. 
Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific
inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, transunion and XXXX ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.
Product: Bank account or service

I had a Moving Company called XXXX scam me, on the same day when i realized that i was had, i called my bank to stop the check that i had written, the rep asked me what was the the check #, which i gave him, he also asked me what was the range of the amount of the check, i gave him an amount of between, XXXX and XXXX dollars the amount on the check was XXXX, so the bank is telling me that it does not matter that i gave the check #, its the amount that i gave was the reason that the check went through, if he had told me that i needed the exact amount for this transaction i would have given it to him, i do not understand.
Product: Debt collection

I am filing this complaint because I believe that Transworld System INC. has engaged in unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). After reviewing my credit report and identifying the inaccurate information I requested written verification of the debt within 30 days of receiving the initial notice, but the debt collector has failed to provide this information, continuing to pursue collection efforts without proper validation. Open date XX/XX/year> to current for XXXX for debt amount.
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft following the Equifax Data Breach. I have confirmed via the breach settlement offer that my information was compromised and now I have several fraudulent accounts populating on my credit reports. I have filed reports with both the FTC and the XXXX  in an effort to get justice against the criminals who did this to me. I am requesting that all of these fraudulent accounts be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) so that I may avoid further financial harm. I appreciate your prompt attention to this matter.