23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt keeps popping up on my credit report, and I have disputed it several times. The account was being serviced in a state that I have never resided in and at a time when I was living in a completely different state. When I contacted the agency attempting to collect on this debt, I was provided with the service address, the account number associated with the account and the dates of service. I also contacted XXXX customer service and the referred me to file a complaint of identity theft/fraudulent account here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquires should not be on my Transunion Credit Report, and were not authorized. 

XXXX Bank XX/XX/XXXX TransUnion, XXXX Bank  XX/XX/XXXX TransUnion, XXXX Bank  XX/XX/XXXX TransUnion, XXXX Bank XX/XX/XXXX TransUnion, XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion, XXXX Bank XX/XX/XXXX TransUnion.
Product: Credit reporting or other personal consumer reports

I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes.

As outlined in the Credit Reporting Resource Guide ( CRRG ), any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards.

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I asked on XX/XX/XXXX over the phone with NewRez to get three months forbearance due to COVID and recently being diagnosed with a XXXX XXXX XXXX and needing treatment thus having to stop working for 3-4 months. They told me I would have to call back in XXXX to get help with this. Ill be in XXXX XXXX XXXX in XXXX and would like to set up forbearance before.
Product: Debt collection

I returned equipment owned by XXXX on XX/XX/23 by XXXX as directed by XXXX. I was to be credited {$100.00} off my final bill. EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, CT XXXX won't remove the collection from my credit report. I have provided them with the XXXX tracking number but they refuse. I disputed the collection and they have responded it was valid. I have been trying to get this resolved for 3 months and no result.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been paid in full, This information is not reflected in current credit report for any of the three agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( experian, XXXX, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I have identified several fraudulent collection accounts on my credit report, which are the result of identity theft. Despite numerous attempts to rectify these errors with the credit bureaus, they have failed to take appropriate action. This ongoing inaction is severely impacting my credit standing and financial well-being. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have all fraudulent information resulting from identity theft removed from my credit report promptly.
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 : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 In accordance with the Fair Credit Reporting act XXXX Account, 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. 

I have reached out numerous of times, sent in letters to have the information verified and there's still inaccurate information on my report after being told it would be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was service transferred to XXXX almost two years ago. Suburban mortgage has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. Suburban mortgage has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by suburban mortgage. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against Suburban mortgage and will seek reimbursement for my legal costs and other financial impacts this error has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
Virginia XXXX, Virginia XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Request for Assignment Contract Account Number : XXXX Dear Sir/Madam, I am writing to formally request, for the second time, a copy of the assignment contract related to the above-referenced account, which has been assigned to your agency for collection. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the authenticity of the debt and the legitimacy of the assignment of this account. Specifically, under Section 809 ( a ) of the FDCPA, I am entitled to request and receive validation of the debt you are attempting to collect. This includes obtaining the original contract or assignment that proves your right to collect this debt.

Additionally, under Section 623 of the FCRA, I have the right to dispute any information reported by a debt collector if it is not accurate or if I have not received adequate proof of the debt. As such, receiving the assignment contract is crucial for me to ensure that the information reported is correct and that your agency is authorized to collect this debt. 

Here are the details for the account in question : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Current Status : {$430.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Please provide the requested assignment contract at your earliest convenience. If you fail to provide this documentation within 30 days from the date of this letter, I will consider the debt invalid and will take appropriate actions to protect my rights under the FDCPA and FCRA. 
Under 15 USC 1681a of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( d ), a consumer reporting agency may only furnish information about a consumer 's credit if it has a permissible purpose and, generally, if the consumer has given written consent. In this case, I did not provide written authorization for the inclusion of the referenced account on my credit report. Therefore, the reporting of this account is in violation of the FCRA, as it was furnished without my explicit consent. The failure to obtain proper consent undermines the statutory protections designed to ensure that consumer information is handled with the consumer 's knowledge and approval. 

Thank you for your prompt attention to this matter. Please respond to the address, or email listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion stating that they had violated 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining, money property, labor, or services on credit card. Notice, XXXX said Any card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transition below. I have attached the dispute letter I sent to TransUnion. 
I would like to also add the File Number for this dispute is XXXX.
Product: Credit reporting or other personal consumer reports

Ive called the last month after I paid this account on a settlement offer. This account was paid XXXXXX/XX/year> on an agreement through a 3rd party. XXXX has not remove this account but steady reporting on a closed settlement agreement. This is effecting my score negatively and needs removed. Spoke with XXXX and they state they have to report even though the account is closed and resolved on a settlement balance.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : Creditor : XXXX Business Type : -Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Type : -Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 
This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$120.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$17000.00} written FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX
Product: Credit card

-Disputed charge with credit card company XX/XX/2016 -Was told by customer service that they would investigate dispute, send me notification of results -Disputed charge was removed from my account -Disputed charge was added back to my account. No notification in writing, or by email, or by phone regarding investigation was ever sent to me. No communication from Barclaycard regarding dispute -Contacted customer service again. Barclaycard claimed they had notified me in writing to say the dispute was ended. They ( conveniently ) had nothing to show that they had contacted me. No record of a letter sent to me. No email. No recording of a phone call. 
-They did not contact me. 
-I therefore called customer service regarding the most recent bill, with the disputed amount added back on, with no explanation -Customer service told me to pay the amount not in dispute and that I would not be charged interest on amount still in dispute -Next bill arrives : they have charged interest and a late fee. 
-I contact them via social media, because there is no other way to get Barclaycard to respond other than by shaming them in public. Barclay card social media XXXX emails me with a phone number to call. 
-Someone from Barclaycard US calls me, due to my contacting Barclaycard XXXX . Claims they resolved the dispute in their favor, and sent me a letter about it. Again, she has no record of this letter, no record of any email or contact with me regarding the dispute. 
-Says she will look into it further and email me the next day -She does not contact me, the next day or ever -They are continuing to charge me interest. Needless to say, I have stopped using this card and will be closing this account and ending all further business with Barclaycard. 
In the meantime, they are trying to grab more money from me over this dispute which they continue to neglect to investigate, charging me interest and late fees. 
-I will be hiring a lawyer. The only thing these people at Barclay US respond to is forcible legal action or bad press.
Product: Debt collection

I looked at my credit report on XX/XX/2017 to see an account in collections, IC Systems ( XXXX ), reporting an account to collections that I have never heard of before. I am in the process of purchasing a home and it is unfair that a company reports and item on my credit report without providing an written notice for me to dispute. 
This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial  communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I maintain the right to seek legal measures against this company for improper adherence to the laws that govern them.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Several accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as a victim of identity theft, and it is crucial to address this matter promptly, as it negatively impacts my financial well-being and personal reputation. 

I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late
Product: Mortgage

I applied for an equity loan with Chase and was declined because of a low credit score with XXXX. My XXXX score is XXXX and the representative said it was XXXX. I feel Im being discriminated against after I said I am XXXX XXXX. When I asked how do I appeal he gave me the wrong email. When I asked a second time he gave me the correct email and his demeanor changed when I told him I was registering a complaint. I want to purchase my parents home by paying off my siblings for XXXX. The house is paid for so I would increase my net worth. Some people just dont want to help others succeed even though they have been in good standing with the bank for many years.