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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened a dispute with Experian and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was 1000 dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All Experian updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. Experian has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX, and Equifax after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the XXXX credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190000.00}
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Checking or savings account

I called Wells Fargo to find out if my checking account ending in XXXX was one of the XXXX XXXX customers who qualified for damages under the XXXX XXXX dollar settlement. The representative said that he didnt have any information and couldnt tell from his end. This complaint is solely for finding out if my account is affected and if so, when would I receive payment.
Product: Debt collection

Dear CFPB, my name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX XXXX and it is showing on my credit report without my consent. I have no contract with National Credit Adjusters and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$3000.00} and not more than {$300000.00} as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). XXXX and equifax I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXX XXXX inc )
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Product: Debt collection

Portfolio Recovery calls numerous times a day from many numbers I have asked them not to keep harassing me to pay a bill with money I do not have during a pandemic. They also send mail despite me disputing and them not sending me the proof.
Product: Checking or savings account

RE : Unauthorized Withdrawal of {$20000.00} from Citibank Debit Account To Whom It May Concern : I am writing to file a formal complaint against Citibank regarding an unauthorized withdrawal of over {$20000.00} from my debit account. As a Citibank Priority client, I expect a higher level of service and accountability, but my experience has been deeply disappointing.

Timeline of Events : XXXX XXXX, 2025 : Without any authorization or explanation, Citibank withdrew over {$20000.00} from my debit account. exact time withdrawn by citibank : XXXX XXXX, 2025 XXXX XXXX ET XXXX XXXX, 2025 ( XXXX XXXX CST ) : I called Citibank customer service and spoke with a representative named XXXX who was unable to resolve the issue. I was then transferred to his supervisor, XXXX, who acknowledged there was an error in Citibank 's back-end system. XXXX informed me that the issue would be escalated to their technical department with a resolution promised by Monday, XX/XX/year>2025. 

XXXX XXXX, 2025 ( XXXX XXXX EST ) : I called Citibank again as the issue remained unresolved. I encountered unprofessional service from two representatives with communication difficulties. The first representative was dismissive and claimed she couldn't understand me despite her own strong XXXX accent making communication difficult. After waiting approximately 5 minutes at XXXX ET, a male representative took over the call, also with significant communication barriers. When I requested his name and badge number for documentation purposes, he abruptly disconnected the call. 

Current Status and Impact : As of today, my {$20000.00} remains missing from my account. Citibank has acknowledged this is their error but has failed to take corrective action. This substantial financial loss has created significant hardship, as I am now unable to pay for scheduled roofing repairs on my home.

Previous Resolution Attempts : I have made multiple good-faith attempts to resolve this matter directly with Citibank through their customer service channels. Their representatives have admitted the error is on their end, yet no one has been able or willing to correct it. The combination of technical failures and poor customer service has left me with no choice but to seek regulatory intervention. 

I have documentation of all transactions and communications referenced in this complaint and can provide them upon request. also I have attached document about this transaction. 

Sincerely, XXXX XXXX email : XXXX cell phone : XXXX CITIBANK ACCOUNT NUMBER- last 4 digits only : XXXX CITIBANK Debit card number - last 4 digits only : XXXX
Product: Mortgage

On Tuesday XX/XX/XXXX I called back in and spoke to someone named XXXX who said it was approved for an extension for XX/XX/XXXX to XX/XX/XXXX, but the call dropped. 

I then called back again for a 3rd time and spoke to a XXXX XXXX for an update to the status of my foreberance and according to XXXX XXXX the only foreberance on file is the one from XX/XX/XXXX thru XX/XX/XXXX. 

I asked for a supervisor and he said he could send a message or transfer me to leave a voicemail. XXXX transferred the recording said the person you are trying to reach does not have voicemail please reach out by email, but no email address was provided. 

What kind of madness is this? 

I called back in for a 4th time and spoke to someone named XXXX XXXX who stated there was an active payment plan in place which is contrary to what XXXX XXXX stated. 

As a customer having been told so many different updates I have no idea what the status of the request to extend the foreberance is and apparently neither do the representatives at Bank of America.
Product: Debt collection

RECEIVED THIS NOTICE. CONTACTED YOUR BUSINESS AND FILED DISPUTE WITH XXXX ( XXXX XXXX ). SHE NOTED THAT DISPUTE WOULD BE FILED. I INFORMED XXXX THE ACCOUNT MUST BE FRAUDULENT SINCE THERE IS NO RECORD I HAVE OF MY EVER DOING BUSINESS WITH THIS CREDITOR. INFORMED HER THAT IN ADDITION, THE ACCOUNT HAS TO BE FRAUDULENT SINCE BANK ACCOUNT WAS CLOSED IN XXXX AND THERE WERE NO OUTSTANDING DEBTS AT THE TIME OF CLOSURE. SO HOW CAN A CREDITOR ATTEMPT TO COLLECT FUNDS ON A CLOSED ACCOUNT WITHOUT NOTIFYING THE ACCOUNT HOLDER? I WAS NEVER CONTACTED BY ANYONE UP UNTIL I REVIEWED MY CREDIT REPORT -- DONE REGULARLY FOR ACTIONS LIKE YOURS! THE ACCOUNT WITH YOUR CREDITOR WAS OPENED IN XXXX AND DELINQUENCY REPORTED IN XXXX -- 4 YEARS SEEMS EXTREME TO LET A DELINQUENCY SIT ON ANY BUSINESS ' BOOKS. THEN IT WAS REPORTED TO YOU ON XX/XX/XXXX. THAT'S AND ADDITIONAL 3 YEARS OF DELINQUENCY FOR SUCH A SMALL DEBT THAT SAT OPEN ON A BUSINESS 'S BOOKS. IT APPEARS YOU ARE ATTEMPTING TO COLLECT ON SOMETHING THAT IS NOT REAL. I SEND THIS MESSAGE VIA EMAIL SINCE IT'S IMPOSSIBLE TO GET A HOLD OF SOMEONE ON PHONE WITHOUT HOLDING FOR 20-30 MINUTES. MY TIME IS FAR TOO VALUABLE.
Product: Debt collection

Weber and Olcese has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to XXXX XXXX XXXX for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding several inaccuracies on my consumer report maintained by XXXX XXXX XXXX, which I have reviewed and found to contain erroneous, incomplete, and misleading information. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and resolution of the following issues : XXXX. Accounts with XXXX XXXX I have no knowledge or recollection of the accounts displaying as closed with a Consumer Remove Date of XX/XX/XXXX and XX/XX/XXXX, or those listed as dormant/inactive. These accounts must be validated and verified or deleted immediately. 
Additionally, the accounts currently listed as XXXX are inaccurately reflecting negative reporting, such as insufficient funds. These claims are entirely false, as I have maintained stellar banking practices with my active accounts. This incomplete and inaccurate reporting is unjustly damaging my financial reputation and requires prompt correction. 

Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX  # : XXXX Account # : XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX Account # : XXXX Bank Name : XXXX XXXX LA Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Account # : XXXX Bank Name : XXXX XXXX LA Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX LA Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX XXXX. Unauthorized Inquiries There are multiple unauthorized inquiries appearing on my report that I did not consent to. Below is the list of XXXX names and dates : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ONLY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX I demand that each of these inquiries be investigated, and evidence of my authorization be provided. If no such evidence exists, these inquiries must be immediately removed from my consumer report. 

3. Request for Validation and Immediate Action Under FCRA Sections 609 and 611, I am requesting that Early Warning Services provide : The name of the institution ( s ) reporting these inaccuracies.

The documentation or evidence used to verify the information.

A complete list of the entities that have accessed my report.

If Early Warning Services can not validate or verify the accuracy of the disputed information, it must be removed from my file without delay.

4. Deadline for Response Please complete your investigation and provide me with the requested documentation within 30 days of receipt of this letter, as required by law. Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX 2019 I changed my name legally at the XXXX courthouse. Im XXXX, and it is to some extent a matter of personal safety to be able to use the right name on official and legal documents. A few months later I moved to a new apartment and the electric company required a credit check with Equifax to set up my electric. They told me Equifax would not release my report to them. I was able to find a work around by getting them to request my report using my old name, but it wasnt great and had some consequences. Now a few months later I need to access my report because I am trying to pay off some debts and also need to submit it for licensing purposes. I tried to use XXXX  to try to access all three reports, but they told me they were not able to access all of them. They said Equifax had put flags on my report or something. They recommended i call Equifax. I just tried calling equifax to explain the problem. First off, they XXXX  me the entire time which made the experience extremely distressful, even after I told them my new name which is clearly XXXX. Second, they said I had to buy a report in order to change my information. Then after I had bought it, they said they couldnt change the information. They said I would have to FAX them my social security card, birth certificate and all of this other information. Which is frankly XXXX. I dont even know where I would go to find a fax machine. And I dont want to have to send them all that stuff. And so now Im just XXXX I guess. Like am I just going to have to use my dead name forever with them??? Ugh. Anyway ... Yeah. Tl ; dr Equifax is XXXX   and exploitative and needs to get its XXXX together.