23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time trying to correct these problems which I will shortly list with Experian However, I have included a copy of my XXXX XXXX credit report as example of what my Experian credit report should look like. <P/>In the status section of the Experian credit report both the XXXX XXXX XXXX XXXX account and the XXXX XXXX account have a negative advisory statement, although not derogatory, added by Experian : The XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The XXXX XXXX XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' I want those statements removed from my credit report. As well, I do n't want any statement such as the above mentioned added later. <P/>The other statement I want removed is the following : " FILE FROZEN DUE TO STATE LEGISLATION. '' I want the security freeze in place but not the above mentioned statement which I have never asked to include. I want that left blank.
Product: Mortgage

During the purchase of the home, I paid the seller to remove the existing roof and install a completely new roof per manufacturer guidelines and installation instructions based on a 20 year Labor and Material warranty. The roof was not done correctly at all. I am suing the Seller and the Roofer, but they have announced they are broke and can't fix the damages. I can't live in the home as I am allergic to the mold growing in the walls and ceilings. I can't fix the home as I can't afford to myself, because it is about XXXX worth of damages as a result of the water intrusion. So I don't know what I can do ... It is a clear breach of contract, which I shouldn't be liable to maintain the deal on the purchase of the home. It is a clear violation of the VA loan requirements because the roof doesn't prevent water intrusion to the home.
Product: Credit reporting or other personal consumer reports

Midland Credit Management has reported false information about THREE alleged debts to at least two of the major credit reporting agencies ( i.e., XXXX XXXX XXXX ) -- see attachments. XXXX is falsely reporting itself as the " original creditor '' for each of these alleged debts. I have never incurred any debt with XXXX or transacted any business with them. I have no relationship whatsoever with XXXX. Therefore, they can not be the " original creditor '' in three alleged debts. I believe this is an attempt to re-age these alleged debts so that they remain on my credit reports longer than is permitted by the Fair Credit Reporting Act.
Product: Debt collection

PLEASE ASSIST ME. EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS, I AM MORE AND MORE STRESSED. I WANT MY CREDIT REPORT TO HAVE THESE PERMANENTLY REMOVED.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, And XXXX to investigate accounts. Theyve came back to say the items were updated and verified. 
According to 15 USC 1681i - XXXX, XXXX and TransUnion have 30 days to investigate and send me my results and also update the account information as disputed which they did not and are violation. According to the FCRA I am entitled to {$1000.00} per violation evidence below. XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize such charges or the amount
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and XXXX and Transunion will investigate this account for me to ensure accuracy I asking you to verify as accurate : account name : - XXXXXXXX XXXX XXXXXXXX, account number-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill being reported by XXXX XXXX XXXX XXXX that I paid with the original company XXXX XXXX XXXX on XX/XX/XXXX.  XXXX XXXX XXXX XXXX continues to call me even though I have told them repeatedly that this is paid, I have even sent them an email with a copy of the receipt.  I have contacted the original creditor who verified I owe nothing and said they would contact XXXX.  I have disputed the information with EQUIFAX 3 times and each time it comes back saying XXXX has verified the debt.  Upon calling EQUIFAX, they will tell me what XXXX submitted to verify the debt.
Product: Debt collection

I have reached out to this organization several months ago regarding this debt, however they have not responded and this account is being reported on my credit report. I wish to resolve this debt as quickly as possible. I sent a certified letter on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX CA XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXXXXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

Equifax TransUnion and Experian SEE THERE ATTACHED RESPONSES Iam not verifying ANYTHING OR SEND OUT DUPLICATE anything more these XXXX bureaus have been notified SEE ATTACHED Equifax has XXXX days to comply and remove off my credit DISAPPEAR XXXX XXXX XXXX has ordered it too be removed and I get this XXXX mailed to a relative see address they sent to I DONT LIVE THERE I only put in a change of address with Post Office I never gave them authority to send this kind of correspondences BY XXXX WAY I HAVE A RIGHT TO HAVE MY MAIL I CHOOSE TO BE SENT DIFFERENT PLACES as well whom in the XXXX commits fraud and or disputes a collection if its not them I DONT NEED TRHEM BUT TO ONLY FOLLOW THE LAW YOU ALL HAVE XXXX BUISNESS DAYS TO COMPLY AND FOLLOW NATIONAL CREDIT INSTRUCTION TO REMOVE OR FOLLOWING WILL BE A LAW SUIT IN THE COURT OF LAW FOR DAMAGES attached is proof of who I am and ] matches my profile KICK ROCKSA AND GET SUED CFPB YOU NEED TO PUBLISH THIS AND BE SUED beside XXXX XXXX XXXX XXXX down CFPB anyway its waste of money CLEAN THE SWOMP sorry for my attitude but when you produce a letter that clearly ordering the removal and you fck with me Iam about to get in your pockets with a law suit ITS AGAINST FEDERAL REPORTING GUIDSE LINES AND YOU KNOW IT AND BIG DAMAGE HAS BEEN DONE
Product: Debt collection

I requested validation and all original documentation stating that I have a signed contract between this company PRO COLLECT of the alleged debt this company stated. I allegedly owe the sum of {$1000.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these two company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged with both collection agencies, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent 2nd request sign affidavit to retrieve documentation from the 3 credit bureaus and 2nd request signed affidavit certified mail with a return receipt to PRO COLLECT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX vie email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with the collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from XXXX XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts from XXXX XXXX and XXXX  XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX  or XXXX  XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX  XXXX  XXXX  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 XXXX  XXXX  and XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 : I had an alert from XXXX XXXX that my XXXX XXXX account is 30 days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by XXXX of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give XXXX, XXXX or Experian authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX collection account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, XXXX notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Debt collection

XXXX sold a debt that is not mine to a collection agency that is on my credit report. I sent numerous documents to prove it was not me including a XXXX XXXX XXXX certified letter stating that I was incarcerated at the time in question. Still they refuse to remove this negative report from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several of my identity documents, along with my wallet and check book were stolen. After this theft several accounts were opened in my name. I disputed these accounts and received a letter from ChexSystems saying the dispute was over and nothing was being removed, however a month before I received two letters from XXXX XXXX XXXX saying they did an investigation and found that I did not open these accounts and that they were requesting a removal from ChexSystems. I 'm not sure who has screwed this up and I do n't care. I 've attached copies of the police report and the letters from XXXX XXXX XXXX. 

Additionally, the following addresses ( which XXXX XXXX XXXX used ) are NOT associated with me and ChexSystems has refused to remove them. I have made ChexSystems aware that these addresses are being used to commit fraud yet they have not removed them or have any effort to follow the Fair Credit Reporting Act and protect me from this fraud. The addresses that need to be removed from my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

XXXX XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

I received a notice from ChexSystems saying that they had mailed a report to some of the addresses above. That is very unfortunate that they did not do any sort of verification before hand and exposed me to further fraud. I have never order a report to any of the addresses above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not file a dispute online but I want to file a dispute for the following. First I like to have the following addresses removed from credit report. XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX PA XXXX. I would like to also dispute the following items as fraudulent items. XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and a collection account XXXX XXXX XXXX. I have attached with this complaint an Identity Theft Report XXXX. Please review
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I SEND A LETTER TO THE CREDIT BUREAUS TO FIX SOME ISSUES ON MY CREDIT REPORT, THEY DON'T FIX THE PROBLEM. 

ON XX/XX/XXXX I SEND A SECOND ROUND DISPUTING THE ERRORS ON MY CREDIT REPORT, THEY DON'T FIX IT. 

AND ON XX/XX/XXXX XXXX SEND A CERTIFIED LETTER, TRYING TO FIX A ACCOUNT THAT ITS STILL REPORTING OPEN, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. 
AND OTHER ISSUES ON THE LETTER. 
ATTACHED I INCLUDE THE LETTERS TO CREDIT BUREAUS AND THE CERTIFIED LETTER RECEIPT
Product: Vehicle loan or lease

I WAS IN A CAR ACCIDENT XX/XX/XXXX,2017. MY CAR WAS A TOTAL LOST. I LIVE IN MARYLAND. THE NEW LAW IS WHEN A CAR IS A TOTAL LOST. THE CONSUMER DOES NOT HAVE TO PAY ANY BALANCE TO THE LOAN COMPANY. THE LOAN COMPANY HAS A OPEN ACCOUNT IN MY NAME FOR XXXX. THIS IS NOT TRUE. AND IT IS SHOWING ON, ON MY CREDIT REPORT. I WOULD LIKE FOR THIS TO BE REMOVED OFF MY CREDIT BECAUSE THE INSURANCE COMPANY HAS ALREADY PAID THERE PORTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Bank account or service

Ba nk of America  refused to issue a fraud charge against  XXXX   XXXX   XXXX   XXXX , Massachusetts.   XXXX   performed unathorized and unnecessary services on my  XXXX   XXXX . In addition they damaged the rims to the extent they had to be replaced. The tires they applied where inferior and they were replaced with the proper ones.   I am demanding a credit to  XXXX  on Bank  of America  for {$1700.00}. and {$1400.00}. for the rims/tires that were replaced.   Bank o f America ke eps sending me copies from  XXXX   XXXX   XXXX   XXXX  that were doctored/forged. No originals were ever given to be.   I demand Bank  of America Regulatory Complaints cease harassin g me.
Product: Debt collection

I believe that this account has been re-aged. I have a delinquency on my credit report from XX/XX/XXXX stating that it is from XXXX for XXXX dollars. I did not live in the US from late XXXX until mid-XXXX and did not have XXXX during this time. I did have some sort of XXXX XXXX in early XXXX. I experienced a XXXX XXXXXXXX situation and the bill may have gotten lost in the mix. I am not sure. I was just trying to survive at the time, to be honest. I can not even tell you if it was XXXX or not. Anyway, considering that it was from early XXXX, it has passed the 7-year mark and should not be on my credit anyway. If IC System did purchase a valid debt back in XXXX when I did not even live in the country, they re-aged it to the time when it was purchased and not the time when it was actually delinquent.