23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX  # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXXhas violated my rights. 
XXXX ( original XXXXXXXX XXXX ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXXXXXX XXXX XXXXXXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX Account # XXXX has violated my rights. 
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 an 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: Debt collection

RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX have a a unverified account from. I had previously disputed this account. I have never done business with RENT RECOVERY SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt RENT RECOVERY SOLUTIONS purport I owe. I request that RENT RECOVERY SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RENT RECOVERY SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Debt collection

There have been multiple harassing phone calls to my job threatening me and today they faxed a false wage assignment I have never agreed to in order to confuse my employer to withhold 15 % of my pay. I have asked them not to call my employer due to jeopardizing my job and they continue to do this.
Product: Debt collection

RPM had sent me a letter to dispute my dish network account dated XXXX/XXXX/16, after submitting my dispute letter to RPM regarding my XXXX account on XXXX/XXXX/16 which I admit I had sent to the incorrect address, the reason for that was due to the fact that RPM does not clearly indicate where exactly to send the dispute letter, ( copy attached ), I have also provided a copy of the dispute letter that I had sent to RPM on XXXX/XXXX/16. After reviewing my credit report ( copy attached ) clearing showing that RPM had reported a collection on XXXX, which was not 30 days after I received the notice to dispute the validity of the debit, I received the dispute letter on XXXX/XXXX/2016, and sent the dispute letter on XXXX/XXXX/16. RPM had reported my XXXX account as unpaid before the required 30 day time frame for me to dispute the dept. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Violation other loans not mine XXXX XXXX XXXX FCRA Violation other loans payments never late XXXX XXXX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violation collections not mine XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/XXXXXXXX   regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX  ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX account for the month of XX/XX/XXXX, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

As stipulated by the Fair Credit Reporting Act, I am entitled to receive a response from XXXX within 30 days of the receipt of my letter. This response should include comprehensive documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

More than 30 days have now passed since I sent my initial request, and I have not yet received any of the requested documentation. It is important to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

In light of the fact that the legally mandated timeframe has elapsed without a response, I am formally requesting that XXXX Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX account for XX/XX/XXXX. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

Understanding the significance of accurate credit reporting, I appreciate your prompt attention to this matter. I anticipate a timely response containing the necessary documentation and an outline of the measures taken to rectify the inaccuracies on my credit report. 

Thank you for your cooperation, and I look forward to a swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information might have got into the wrong hands and I do not recognize these inquiries on my file and would like these immediately removed
Product: Credit reporting or other personal consumer reports

In the forthcoming 15 days, I am scheduled to receive an updated credit report, and I am earnestly looking forward to the prospect of having all these fraudulent items, both in this current complaint and the one dated XX/XX/XXXX, expeditiously removed. Pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items from the file of a consumer that are identified as information resulting from an alleged identity theft, not later than four business days after the date of receipt. It is also explicitly stated in Section 605b that Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX. Please find these specified items once again outlined below for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my XXXX XXXX. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Checking or savings account

XX/XX/2018 I was having fraudulent activity on my account, no alerts, for ( 3 ) strait days, called them and why we were on the phone and they were trying to fix it, some one was undoing what they were doing as we were speaking, so I ask to freeze the account. Later if was charged off and you my money on the secured card at {$800.00},, a lil over {$200.00} had been spent, they move have it in collections, refuse to give back my money, and don't take it out of collections.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the hard inquiries on my credit file. Despite multiple attempts to request the deletion of these inquiries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

First there is a dept put on my credit report that stated I owed XXXX XXXX for what for public housing disputed. during this time XXXX XXXX put in fraud report and protection because they found someone had attempted to receive unemployment and it was not me. 
They called me and I told them I was working during this attempt, and they had breach.XXXX dollars Second someone was receiving service at a fraudulent address where there never was a least in my nor with no ID they had to take a water out of my name. The city of XXXX water department. All this is affecting my credit score. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to have some inaccurate information removed from my consumer report. I have the right to challenge anything and everything that appears to be inaccurate and unclear. 
I received a letter from XXXX advising unverifiable Bankruptcy and that they have instructed both Experian and XXXX to remove it. The same applies to XXXX XXXX - XXXX advised not verifiable but it is still showing in my report. 
I also XXXX XXXX card shows inaccurate information - shows closed with an available balance of {$55.00} but shows a debt of {$140.00} - this is unclear and should be removed immediately. XXXX XXXX should was reported as late and the consumer reporting agency assumed it to be correct without verifying it's accuracy. This inaccurate reporting is causing emotional and financial harm. I was denied extension of my credit to false and inaccurate reporting. XXXX XXXX XXXX is showing as a charge and therefore should not be reporting. there are several inaccuracies that are highlighted in the attached documents. I have provided 14 days to respond and they want to start with an additional 30 days and the opportunity to reinvestigate this has been done several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit reports noticed an unfamiliar derogatory account from Southwest Credit Systems on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my XXXX   because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of my consumer right they report XXXX date payments to my credit report, according with the law before they report a late payment to the credit bureus they need to send me a letter 21 days prior that letter was never sent to me. therefore XXXX is in violation of the law. account must the place in good payment status and removed any late payment from account and credit report.
Product: Debt collection

I did not authorize Automated Collections who is a debt collector access to my private medical information that is protected by HIPPA laws. According to Consumer law code USC 1681b, A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report. Automated Collections is in direct violation of my consumer rights. Also, Automated Collections previously paid the debt owed on my behalf on XX/XX/XXXX  according to my consumer report. This debt was previously removed and this FRAUDULENT company added it back to my consumer report. I am demanding this debt to be permanently removed from XXXX XXXX, XXXX, XXXX, and XXXX reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with my credit report. 

The first thing is that I was not able to put a credit freeze on my report because Equifax said my file is too long so it split into two,  so there trying to reattach it. 

The reason my file is too long is because it contains is contains fraud account opened under my name, I have filled a police report and sent that over to the creditors as well the Equifax, all the other credit bureaus removed this fraud items but Equifax has not. 

The third is my credit report contains inaccurate information on some account, for example some that were long closed and have a XXXX balance is showing with a balance, in all other credit bureaus it is updated. 

Fraud account ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX   OpenedXX/XX/XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Fraud Inquiries ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Inaccurate balance on this two accounts, I paid them off but there reporting a balance ; XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX   XXXX Balance {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 4 unauthorized credit inquiries on my credit report. 

On XX/XX/2018, I wrote and mailed a letter to each of the creditors and explained that their inquiries were unauthorized. To-date, this has not been resolved and the inquiries are adversely impacting my credit score. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and neither of these companies had a permissible purpose. 

Further, a response is required in 30 days. I have provided enough information for both furnishers to complete a competent investigation, yet neither have corrected their mistake.
Product: Credit reporting or other personal consumer reports

There are two hard inquiries on my credit report from XXXX and Capitol One Bank. I have not applied for a credit card from either one of those companies.
Product: Mortgage

I am at the final stages of closing my refinance only to be told that repairs are now a condition of my loan. I was told by the underwriter/XXXX XXXX on XXXX/XXXX/XXXX via email that repairs are a condition of closing my refinance. When I asked my Loan Officer/XXXX XXXX on XXXX/XXXX/XXXX via telephone, she reported that this was covered in her " intro letter '' to me at the start of the refi process. The only item in the " intro letter '' that could relate is a bullet point that states " We can not lend on homes that have safety issues. '' In the beginning stages of the application process, XXXX XXXX XXXX asked me to complete a " Property Pre-appraisal Questionnaire '' which asks potential safety issues ( empty pool, broken windows, exposed wiring ). This form does not indicate dry rot as a potential safety issue. When asking XXXX to clarify what specific repairs are needed, I was told to reference my appraisal report only to discover that the appraisal that I was given had been revised. The revision was to change it from an " As is '' appraisal to a conditional appraisal. I was not notified of the change in my appraisal nor given a copy of this change in a timely manner. I am still unclear as to what repairs are needed to close as the appraiser is not a general contractor, did not closely inspect the needed areas indicated and only wrote " dryrott on the exterior wood siding at rear of house on laundry addition and eaves around base of roofline around the rear of the house. '' I am frustrated with XXXX XXXX XXXX due to this last minute communication and their failure to notify me of changes to my appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  XXXX XXXX was fraud and needs to be removed from all my credit reports. 
XXXX XXXX XXXX  was part of my fraud case and needs to be removed from all my accounts
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Last 4 SSN # XXXX XX/XX/XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent 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 XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number 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.