23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A - states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 - It also states a consumer credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of *I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked Experian to DELETE THE FOLLOWING ADDRESSES ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MISSOURI - ( UPDATED??? ) XXXX XXXX XXXX XXXX XXXX XXXX MISSOURI The addresses stated above ; Ive tried disputing the addresses because theyre fraudulently stated on my Experian Report, but they wouldnt let me dispute online. Stating REQUIRED TO CALL I later called and was promised they would be taken off shortly after the phone call. I was also told they noted that the addresses are part of a FRAUDULENT ACCOUNT. They refuse to delete them after telling me they would take off ALL addresses other than the address I have lived at for the past 7 years.. 

( THIS SHOULD BE THE ONLY ADDRESS ON MY CREDIT REPORT ) XXXX XXXX XXXX, XXXX  XXXX, Kansas XXXX DUE TO IDENTITY THEFT AND FRAUD - I need the addresses deleted immediately, they even state different cities 50 miles apart. Please help!!!
Product: Credit reporting or other personal consumer reports

Ive noticed that XXXX XXXX from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX XXXX and my XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good morning! 

I missed XXXX payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to XXXX. 

I reported this to XXXX XXXX during the early stage of XXXX when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, XXXX XXXX has placed serious delinquency on my Equifax credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to XXXX ) are still being reflected on my credit report. 

Why didn't XXXX XXXX report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't XXXX XXXX update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from XXXX. I'm still suffering from this pandemic. 

Additionally, I'm suffering XXXX, physically, and financially from the information that XXXX XXXX reported to all three credit bureaus. 

I humbly ask for immediate assistance.
Product: Checking or savings account

On XX/XX/2023, my XXXX Bill was withdrawn from my account leaving balance at {$10.00}, on XX/XX/2023 I charged a {$36.00} Overdraft fee that placed my account at - {$25.00} for my XXXX Bill charge when my account was not overdrafted causing my account to Overdraft. By XX/XX/2023, the compiling Overdraft fees made my account- {$150.00}. On XX/XX/2023, I called the number on the back of my card, I informed them that predatory Overdraft fees are Federally Illegal, they refused to resolve the situation, the associate I spoke to gave me the name XXXX and refused to give an employee identification number. I then went to the bank branch, the bank tellers told me that they could not do a " Overdraft Fee Forgiven '' because the Overdrafted account was beyond- {$50.00}. I was told the bank manager would call me when she got out of a meeting, she never called. That same day, XX/XX/2023, I deposited {$100.00}. On XX/XX/2023, I was charged again Overdraft Fees placing my account at- {$100.00}. US Bank XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, are fully aware that they are violating ( breaking ) Federal Law without remorse.
Product: Credit reporting or other personal consumer reports

I've mail a letter XXXX XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment to Synchrony Bank for my XXXX XXXX Account. On my statement it indicates that I have a promotional purchase ending in less than 60 days. The promotional purchase was 0 % interest purchase, I tried to pay off the balance of the purchase to be told I can only pay out of my checking account and no other payment methods were accepted unless it was through XXXX XXXX. After making my payment of {$120.00} ( minimum payment due was {$100.00}, I was told that I can not apply my full payment to the promotional purchase set to expire in less than 60 days. Instead, {$76.00} dollars would be applied to my other promotional purchase that expires in XXXX and the remaining {$45.00} would be applied to my expiring promotion. I spoke that the representative to see why it was set up this way and I could not get an answer. So, I questioned the practice of Synchrony Bank splitting my payment and asked why a larger amount of money would go to the promotion that expires in 3 years and not to the promotion that expires in XXXX. 

As I was reading my bill, I noticed that I have been charged interest on a 0 % interest purchase and that I have been assessed a late fee on the purchase that was 60 months same as cash. I was unable to resolve this issue with Synchrony Bank and informed the manager that I would be filing this complaint due to questionable and unclear payment practices.
Product: Debt collection

I had to move from my apartment after XXXX of the employees, XXXX XXXX keyed my car and threatened to assault me on more than XXXX occassion. I was told by both the XXXX XXXXXXXX and XXXXXXXX XXXX that I could move and leave before my lease was up because they refused to take action against her and continued to allow her to work there ( Said that me and my daughters protection and safety was not their problem and I would have to handle it civally ). I filed numerous police reports with XXXX XXXX who is investigating this and we have video footage of her. I then decided to take their offer because I did not feel safe. XXXX XXXX ( property XXXX XXXX said I would not be charged and said I would get my XXXX dollar deposit back. Then she turned around and denied it and said they were keeping my deposit. The interesting thing is that she never said I owed anything or even the amount I " supposedly owed ''. She then turned around and tried to send to me to collections. This is a low income property and you can not charge to move out early anyways. I told the company to stop contacting me and to give me the owed amount ( I wanted verification ). I then got a call yesterday from XXXX XXXX and told them to stop contacting me and to give me a debt verification letter. They continued emailing me and threatened to sue me. I do not owe this nor have I been notified of it. I have been told to sue them by a lawyer for the damages to my car ( totalling over XXXX dollars ). I have the police reports and my estimate for my car. XXXX has evaded the police and had men answering her phone and hanging up and ignoring them when they came to her house to question her. XXXX XXXX who is the regional XXXX told me that I couldn't film anyone on the property because they said it was he said she said and I told them okay next time XXXX confronts me and starts threatening me I am going to record it. They have subjected me to this as well as forcing me to move and then saying I owe them money which I do not. I was let out of my lease and told I didn't owe anything and now they have sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires on my credit report for XXXX XXXX XX/XX/XXXX and Sears/CBNA XX/XX/XXXX. This is both Sears accounts and I have not been to Sear for at least 15-20 years. and have not applied for any credit at Sears or XXXX XXXX. Can you correct this hard inquire and have it removed from my credit report. 

Thanks XXXX XXXX XXXX S.S # XXXX DOB # XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It took me so many attempts asking for you to stop neglecting my concerns of correcting these wrong information on my report and yet here I am again still trying because my hopes are higher that there might be some changes than the chances of you actually responding and doing something about it.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : XXXX XXXX XXXX suitable identification proof ; XXXX XXXX XXXX a copy of an identity theft report ; XXXX XXXX XXXX  the consumer 's identification of the relevant information; and XXXX XXXX XXXX a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I keep getting calls from the phone number XXXX ( XXXX ) XXXX, or other variations of it. Not once have they left a voicemail. Without a voicemail explaining who they are and what they want, why would I call back? I have been scammed too many times. Sometimes they call 4-5 times a day. This happens at least every day, sometimes every other. They called me 10 times in the last week alone. Sometimes they call before XXXX XXXX, multiple times this past week they have called after XXXX. I spoke with them once, they told me they were Reliant Capitol Solutions and trying to settle student loan debt. They are not listed anywhere on my credit report. When I tried to work out a payment plan with them, they insisted that I had to pay {$1500.00} upfront before they would work out a monthly plan. They refused to work with me. If I can only afford {$50.00} a month, how can I just give them {$1500.00}? When speaking with them on the phone the first time, the man on the other line started questioning why I dont have {$1500.00} to give them. Dont I have parents, family or friends who can loan it to me? Dont I have a credit card? My mother is dead and my father lives 2000 miles away. They raised their voice and became aggressive with me. I have worked out payment plans with other agencies and never been treated this way. This leads me to believe it is a scam. I am more than willing to work out a plan and pay back what I owe, but I dont trust a number who continuously harassed me. This needs to stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX who is not an official elected entity was able to go through and look at all of my information including my address my account numbers my social security numbers my credit reporting and I did not give an okay for that. Therefore I feel like all of my information on my credit report should be dissolved.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Derogatory Accounts on My Experian Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my XXXX credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my Experian credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my XXXX credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately. 

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a phone call and voice mail on my cell phone on XXXX XXXX, XXXX at XXXX am. The caller ID number was XXXX and my phone tagged it as suspected spam. The voice mail stated that they were looking for my adult son and it had something to do with an address he lived at 2 years ago. The caller mentioned federal law and proceeding after two attempts. I did not return the call and blocked the number. XXXX XXXX at XXXX am a call came in on my cell phone with no caller ID. It was the same person asking for my son. I said that he could not be reached at this number and I hung up as I was waiting for someone to call and loop me into a conference call at work. He immediately called back. 

I do not owe any debt to this company and I should not be harassed like this over a debt that someone in my family may or may not owe.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express called my husband on XXXX XXXX XX/XX/XXXX / XXXX XXXX. They called my brother in-law XXXX XX/XX/XXXX ) multiple times to discuss my past due amount. They told my brother in-law an my husband ( who is not on this account and we're separated ) that they are trying to find me in order to collect debt. They were not authorized to discuss this with anyone but me. They did not attempt to contact me before they called them. I do not have any emails / voicemails or missed calls from them. 
This happen multiple times. Even after I made my payment. I reached out to them multiple time and complained about them discussing this issue with strangers. On XX/XX/XXXX I spoke to 4 different people on the on-line chat about this. No resolution. I told them on-line, in writing, that I want to file a complain. A week later they called my husband again. hem multiple times and told them on their on-line chat not to contact anyone by me. They did not attempt to call my cell / home or email. They directly called the people listed above. This happen multiple times after I spoke to them and told them not to do it. On XX/XX/XXXX they called my husband again, without trying to contact me first.
Product: Credit reporting or other personal consumer reports

To Whom It Mav Concern.

I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR.

In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX Ga XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX XXXX  removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXXXXXX Balance XXXX {$130.00} XXXX XXXX Balance : {$0.00}.