23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Letter For Collections Date : XX/XX/XXXX To Whom It May Concern : Attention Credit Reporting Agencies, XXXX, Transuion, XXXXXXXX XXXX XXXXXXXX, XXXX I have no knowledge of this debt and the debt was allegedly purchased by XXXX XXXX XXXX XXXX. This account must be deleted as the status of this account is entirely incorrect, the amount stated on my credit report is also not correct ( {$7900.00} ). This account has been purchased by XXXX XXXX XXXX XXXX for a lower amount. The information being reported is not CORRECT, NOT ACCURATE, NOT COMPLETE AND NOT FAIR which VIOLATES the FCRA policy. I demand that this account be removed from my credit report IMMEDIATELY!! XXXX XXXX XXXX XXXX has also failed to validate this debt in the timely manner given. There are numerous errors being reported with this account which is not accurate or complete per FCRA guidelines. They have also failed to provide a contract signed by myself agreeing to the terms of this debt. I DO NOT HAVE A LEGALLY SIGNED CONTRACT WITH XXXX XXXX XXXX XXXX. This debt is being reported illegally and must be DELETED IMMEDIATELY. In your response you stated that this debt came to your office on XXXX of XXXX. Which means you have purchased this debt for much lower than {$7900.00}. Which also means that this amount on my credit report should reflect as such since that previous debt of {$7900.00} is no longer accurate. The debt has been written off. Which also means it is being reported illegally. FCRA states that ALL INFORMATION being reported will be ACCURATE, COMPLETE AND FAIR. Which means that this total is incorrect and this account must be REMOVED IMMEDIATELY. Thank You
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 1681. 

Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

I have been unable to obtain my credit report from XXXX SageStream, a new credit reporting agency owned by XXXX. Their website does not offer an option on their website to download my credit report. I believe they are required to have this capability under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get LexisNexis to stop reporting inaccurate information on my credit report. The bankruptcy they have on file it's not mine the address is not mine and the marital information is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( Bank Of America ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never agreed to open a credit card named " XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

my consumer rights are being violated ive tried more than twice to fix this situation this is non compliance which is a violation pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) this has went on far too long
Product: Prepaid card

I had an American Express XXXX gift card, someone used the card without my authorization, I called AMEX as soon as I found out and filed a claim. Its a fraudulent transaction, but they still didnt refund.
Product: Debt collection

I ordered phones through XXXX XXXX XXXX. They sent me out an extra phone which was never activated nor opened. They even created a new account under my name for the said account. I attempted to call to rectify the situation with a call center representative, but the representative claimed that they couldn't see the account at which time I was transferred to a manager. Upon talking to the manager I was told that I shouldn't have been charged and that the account would be closed and all charges canceled. I looked at my credit report and the debt has been transferred to a debt collector. This collection has caused some creditors to lower my credit limit and impacted me negatively. If this account isn't removed promptly I do intend on seeking legal action and recovery against XXXX XXXX XXXX and the collection agency reporting the account on my credit profile. As this account is fraudulent and I never authorized a new account to be opened in my name this account and balance was supposed to be null and void. XXXX XXXX XXXX received the phone prior to XXXX XXXX, XXXX. I called to verify and was told it would be handled immediately. I contacted the debt collection agency and they have taken no action.
Product: Credit reporting

I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against Transunion for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address XXXX, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Product: Credit reporting

I placed a fraud alert on my credit report because my social security information was compromised. Experian failed to ask for my telephone number to verify in case a request for credit was made. I discovered this attempted to correct on the Internet however, Experian wanted to charge me for a report. I finally got through to a generic telephone number. I was told my telephone would be on file in 24 hours. A week later, Friday, XXXX XXXX, XXXX XXXX told me that my file had not been updated with my telephone number so my application could not be processed.
Product: Credit reporting or other personal consumer reports

Dispute Letter to XXXX Regarding Returned Payments & Lack of Notification XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email ] [ Date ] XXXX XXXX XXXX Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Returned Payments & Lack of Notification Account Ending in XXXX Dear XXXX Dispute Resolution Department, I am writing to formally dispute the handling of two payments I submitted toward my XXXX XXXX account ( ending in XXXX ) on XX/XX/XXXX and XXXX. 
Both payments of {$50.00} each were returned unpaid, yet XXXX failed to provide proper notification to allow me the opportunity to rectify the issue. This lack of communication is a violation of my rights under federal consumer protection laws. 

Legal Basis for Dispute 1. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 The FCBA requires creditors to notify consumers of any billing errors, including failed or rejected payments. Since XXXX failed to notify me in a timely manner, this denial of proper notice prevented me from correcting the issue. 
2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 If a payment was attempted via electronic transfer ( ACH or debit ), Regulation E mandates that financial institutions and creditors provide notice of any rejected or failed transactions. Failure to do so violates consumer rights under this law. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) XXXX reported my account negatively due to the returned payments, this reporting is potentially inaccurate and unfair, as I was never given the chance to rectify the situation before it escalated. 

The payments were made via the mobile app. I quick selected a bank account that I had closed. If I would had been noticed I would had rectify the billing error immediately. Just like I did today ( XX/XX/XXXX ) after speaking to customer service, the representative could not tell me which payment was being reported late until he further investigated and informed me that the payments were returned unpaid. The payment history reflects one of the payments of {$50.00} dated XX/XX/XXXX as paid. This is very misleading as is reflecting that the payment was made instead of reporting the status as declined, returned. Etc. In XX/XX/XXXX I had a similar situation and that payment reflected as declined. I was able to make that payment before it affected my credit.
Product: Credit card

XXXX XXXX To whom it may concern, On XX/XX/XXXX my mother went to put me on as beneficiary of her accounts. At the same time she was attempting to do a personal loan. XXXX of the conditions of the personal loan was she had to apply for a credit card. The individual my mother was working with is XXXX XXXX and she still had my information up and instead of applying for a credit card for my mother- she applied for myself. I had received some alerts that my credit had been run, however I didnt think much about it as I too was currently doing a personal loan. Once I looked closer I noticed it was US Bank and asked my mother about this. We both thought this was super strange as she just put me as a beneficiary on her accounts. She called the bank the next day after this conversation and XXXX called me the same day when she realized her error. I also work for a bank and I have worked very hard on improving my credit. If I switch jobs they will run my credit again and I will have to explain any inquiries. On XX/XX/XXXX XXXX told me I needed to sign a form- I believe it was shortly before XXXX I went to the bank and completed the form directly. On XX/XX/XXXX I checked in to see the status of the credit inquiry dispute and XXXX communicated she submitted the form and an investigation would be conducted to determine if the credit inquiry would be removed. I asked her on XX/XX/XXXX to escalate this to her manager who is XXXX. XXXX called me and communicated it could be a couple of cycles before this is removed. I let her know I understand mistakes happen however I received the credit card and a statement in the mail. This same day XXXX had communicated I would have to call to close the card. I called XXXX and spoke with XXXX on XX/XX/XXXX who communicated she was not able to close the card either. The same day I received mail from the XXXX postal service that I need to return the card back to them. ( I will attach ) however previously I was told to destroy the card. That communication also stated they completed the request to close my account. An account I NEVER requested. I requested that XXXX and XXXX both keep me updated on the progress of the credit inquiry due to their error and I feel as if Ive been the only one reaching out trying to get this resolved. 
At this point the time Ive put into this ( Im now at a library tying this up and spending money making copies etc ) US Bank owes me for the time, calls and frustration. I make {$31.00} per hour and would expect at least XXXX hours of my wages for this frustration. 
Id like confirmation that the account has been closed AND that the credit inquiry has been removed from my credit report. 
Thank you for your understanding in this matter and I look for an update very soon as now its been over 2 months. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX Transunion received my Identity theft package with FTC theft report. On XXXX XXXX I called Transunion to ask has the fraudulent info been blocked, he said it would take 30 days. According to FCRA 605 ( b ) the information should have been blocked within 4 days of receipt of Id theft claim. Transunion is not honoring and breaking the law at the time of this complaint XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX OPENED AROUND XX/XX/XXXX UNDER ACCT # XXXX XXXX UNDER ACCT # XXXX XXXX  OPENED AROUND XX/XX/XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT U S DEPT OF ED/GSL/ATL 33 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$8600.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance {$8400.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX  XXXX ,  IA XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint account with my ex boyfriend and he filed for bankruptcy in XXXX of XXXX. The account was for a water softener through synchrony bank and the remaining balance was {$1400.00} with the last payment being make in XXXX of XXXX. We agreed he would pay the bill after we split and he had to file for bankruptcy a few years later. Fast forward to now, I am trying to get any kind of information from synchrony about this account and they tell me they can't send me anything because it is in their bankruptcy department where it will stay for 5yrs, and they can't release any information about the account. I am trying to get a house built and this is showing up on my credit report as a charge off and I can't get anything from them stating what the status of this account is. I just need them to send me information about this account so I can give it to my loan officer to start construction. I have called the bankruptcy department several times and they refuse to transfer me to a supervisor so I can plead with them to send me something about this account. My name was not primary my ex was so they don't want to give me any information. I just want to build a house and they are keeping me from it. I have sent them a certified letter that they received on XX/XX/XXXX. I am waiting to hear back from them when I stumbled upon this website. I disputed this account with XXXX in XXXX of XXXX and they found it was mine but would not give me any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt is not valid as verified by court document