23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XXXX I reported FAIR COLLECTIONS & OUT to CFPB in regards of a Collection account in my credit file. The company responded asking for a Lease for the year of XXXX. I provided the information requested, now this company is asking for more information. This collection agency not only, is co messing around for years with my credit but now that I complied with their requirements to investigate this Fraud account, they trying to prolong this matter, requesting more documentation. This company knows its not my account but they still reporting this information as accurately. The Fair Credit Consumer Association should investigate this fraudulent collection agency..
Product: Debt collection

I was recently made aware of this debt. I am not sure where this debt has come from. I reached out to midland credit management asking for accounts numbers and time from of this debt. I received no information regarding this debt. I believe this debt to be fraud.
Product: Credit reporting or other personal consumer reports

My credit was marked as late in the month of XX/XX/year>, as I stated in the previous CFPB complaints when asked to speak with a supervisor no one is available. Each agent I spoke with regarding my credit reporting has told me it was accurate. Essex mortgage doesn't not allow you to make a payment without paying fee which is XXXX volitation, none of my notices signed at closing or my promissory note state I must pay my late fee to make a payment. I spoke with my lender who confirmed also its not required. It's an Unfair, Deceptive, and Abusive use of power to get customers to pay fee or not a payment. I recently attempted to speak with a supervisor when they returned my call after receiving regarding this matter, he advised me that I was on certified funds block due to NSFs. I asked for proof because I've never had a return check with Essex XXXX regarding my payments.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to follow up on the complaint I filed regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries I have no knowledge I need to be removed : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All of these unauthorized inquiries Range from XXXX XX/XX/year> to XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Credit reporting

A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified in XXXX that a new account had been opened but I had not applied for any new loan or credit. I immediately contacted Experian to dispute and froze my credit. Experian resolved the dispute by only noting that the account was in dispute but did not remove it. I then filed an identity theft claim with the FTC then refiled the dispute with Experian. The account was then changed on my account to paid in full but remained on my credit report. It needs to be removed. It is not mine. By leaving it on my account, the identity fraud continues. What other evidence do you need than a consumer who tells you an account is not theirs, that they never applied for the account, and that the new current address that is suddenly appearing on my credit report is definitely not mine and not where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX, XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX ) : XXXX XXXX XXXX : [ Can you please verify this account as being my account ] Account Number ( if applicable ) : [ ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

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

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I used the link on Equifax to confirm if I may have been impacted by their cybersecurity breach announced on XX/XX/XXXX. I followed the instructions and received confirmation that I may have been impacted by the breach and to continue credit monitoring enrollment. I followed the instructions provided by Equifax, however the tool is highly flawed and sends me through a loop to enter my information, and then continue enrollment again. I have not been able to enroll in their tool to begin monitoring my credit and track any fraudulent changes caused by the Equifax breach. See screenshots for step by step notations and attachment with HTML supporting that " CONTINUE ENROLLMENT '' has no further procedures for Consumers to enroll. I have the latest OS version, and the browsers have latest patches and proper plug-ins and settings enabled. I looked at the Web debugger and the Enrollment and Continue Enrollment Buttons are EMPTY! They do not have proper redirect to continue enrollment page AFTER it has validated Last Name and Social Security and XXXX. This is a false solution to consumers.
Product: Debt collection

on XX/XX/2023 I sent a debt validation letter to NATIONAL CREDIT SYSTEMS INC. 
They received the notice on XX/XX/2023 XXXX certified mail tracking. 
it has now been 1 month and 29 days of no proof of validation form under Federal Regulation F.

This account is reporting fraudulently due to Identity theft and is now in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite the evidence I provided that confirmed that many of the accounts should have been removed, Experian continued to allowed these accounts to remain on my report. This has caused emotional and financial stress. I have been denied many needed services because of these derogatory accounts that were never properly investigated and removed.
Product: Credit card

Creditor closed account without warning due to period of inactivity. 
I do n't use the card often. The closed account appeared on my credit report and adversely affects my credit rating. The creditor should have advised me that failure to use the card would result in the account being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting collection account from XXXX XXXX XXXX XXXX  for {$1100.00} I never had an account with them. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Experian did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX
Product: Bank account or service

Unfortunately, I have a XXXX complaint to file in less than a full year against Citizens Bank, NA for awful banking policies and payment schedules. Again, I feel as though I am being taken advantage of by an institution in which I put my trust for my banking needs and services. 

To make a long story short, I set up some authorized debits for payment to other service providers during the week of XXXX. In fact, the XXXX providers in which I was scheduling payment for was XXXX services and Citizens Bank Credit Card services. Both of these payments were scheduled and processed on Thursday, XXXX XXXX. Of course, Citizens processed their credit card payment immediately, which posted to my account the following day on Friday, XXXX XXXX, 2017. Unfortunately, they withheld the payment to XXXX and placed the payment in my authorized holds and funds on my account. Well, the weekend passed, and the payment had still not posted on Monday, XXXX XXXX, 2017. It seemed as though my payments to other institutions were frozen, despite having had more than enough funds to make the payment. 

Fast forward to today, Tuesday, XXXX XXXX. I woke up and checked my account, as I am expecting a paycheck to clear and be posted to my account. To my surprise, the payment to XXXX is posted and processed for Monday, XXXX XXXX, 2017. Lucky for Citizens, this immediately over drafted me. Normally, if a payment posts to my account that will normally overdraft me, I have until XXXX that same evening to post a payment and bring my balance to the positive. Unfortunately, I was not given this opportunity, nor was I alerted that the processed payment to XXXX was posted. Instead, I was able to see the payment the day after it was supposedly processed to which I also received a overdraft fee attached. 

I have not encountered this particular set of circumstances in the past, and I am surprised that Citizens would actually allow a policy that causes so much confusion and frustration to stay in place. This is also not to mention that I have Overdraft Protection on my account to keep my purchases from going over my available funds. Once again, I feel like I have been duped by a large banking institution based on their inability to communicate proper payment schedules. Additionally, it is disheartening to know that they do not have the integrity to process payments in a timely manner to prevent these types of situations from reoccurring. It would be one thing if all of my pre-authorized debits had been placed on hold and processed on XXXX XXXX, but it is clear that Citizens gave their own payments priority over another institution 's to the extent that when they finally processed my payment to XXXX it was inevitably going to overdraft me. 

This is especially concerning due to the fact that the payments did not even show up on my posted payments, holds, and funds on citizensbank.com. In essence, there was no way to prevent an additional charge or payment from generating an overdraft, because the calculated funds left in my account were not accurate or up to date.
Product: Credit reporting or other personal consumer reports

My information was stolen. I have provided proof, affidavit and a police report stating my identity was stolen. I am constantly being charged for a loan that was opened in my name. This company can not provide proof of their investigation or anything. I have sent numerous documents that they have asked for. They are constantly reporting false information to the creditors that are impacting my credit score and other information.
Product: Credit card or prepaid card

For months the company continues to take unauthorized payments from my checking account. I have an automatic payment set up for a certain amount and they keep taking out more than that amount. I have called and have been told repeatedly its fixed and it continues to happen.
Product: Debt collection

Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector XXXX XXXX XXXX, XXXX sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous incorrect items on my credit report with accounts and inquiries that don't belong to me and are not related to anything done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX