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

This account was charged off on the following date ( XXXXXXXX XXXX  ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX  XXXX {$1300.00} I am a victim of fraud this debt does not belong to me from XXXX XXXX response Please remove this debt from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed the three reporting Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Mortgage

I spoke with 2 different reps on XXXX18. My loan was recently sold to XXXX XXXX XXXX. I've been trying for a week now to make a payment, but every time I log into their system, all my account details are blank and there's a message to contact customer service. I just assumed they hadn't gotten everything transferred over. When I finally contacted the two previously mentioned reps, they stated I had a cease and desist letter on my account from the previous servicer. I explained to them the letter just dealt with them not contacting me by phone because I got fed up with repeated reminder calls, etc. Btw, I'm not behind on my payments and I don't run behind. I just don't want robocalls. I was instructed that I can't have that request with XXXX   unless I completely remove all requests for no contact. Essentially, what they are doing is preventing me from making a payment unless I agree they can contact me by phone.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX 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

On XX/XX/2019 I pulled and printed my Equifax credit report. A company named XXXX XXXX was reporting inaccurate information, which claims that I owe {$1300.00}. I then mailed a certified letter of a formal notice of disputing the claim. I mailed it through the US Postal service on XX/XX/2019 to XXXX   XXXX at the address listed on my credit report of XXXX XXXX XXXX XXXX, IL XXXX. 

On XX/XX/2019 the letter was returned to me saying " Return to Sender/ Not Deliverable as Addressed/ Unable to Forward ''. So the address on my Equifax credit report was invalid. Then on XX/XX/2019 I sent a certified letter through the US Postal Service to Equifax stating there is an inaccurate item being reported on my credit report from XXXX  XXXX. And that I contacted XXXX XXXX at the address listed on my credit report XXXX XXXX XXXX, XXXX, IL XXXX. I enclosed a photocopy of my mail being returned from the US post office due to an invalid address. I said in the letter that given the furnisher has provided false information to them about me, and provided them with a false address, I demand that the item they are reporting be removed immediately. Equifax received the certified letter on XX/XX/2019. It has been over 30 days and Equifax has not responded back to me nor removed the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the security breach at Equifax and am vet angry. I want credit monitors for my life time and not just one year. Any criminal will wait it out one year and then I am at risk. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made my name, social security number, and address available to unauthorized parties.
Product: Credit card or prepaid card

CITI BANK EMPLOYEE SUPPOSEDLY DEPOSITED OVER XXXX into my checking account through line of repayment refund by error and citi bank is now charging me for that deposit plus interest. I have stated and sent documents showing citi I have not received any money nor did I ask for any money. This is a clear mistake by the CITI employee and I have a letter stating that directly from citi. My credit card account was closed without notice and my XXXX $ deposit was used to cover a debt that isnt mine. I have sent documents and statements to citi proving I have none of that money supposedly deposited or fault in this. The card I had with citi is a XXXX $ limit card and because of the error caused by the employee the balance is well over the limit at XXXX. This puts my credit usage on my credit report well over 1000 %. Citi should take responsibility for this and clear this with the bureaus since it was caused by their employ.This error caused by the employee is hurting my credit score severely and citi is not taking any measures to correct this mistake by their employee.
Product: Debt collection

OnXX/XX/XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a thousand dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been Phoenix Financial Services LLC but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from Phoenix Financial Services LLC, representing XXXX XXXX XXXX XXXX who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. XXXX XXXX XXXX XXXX 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX Phoenix Financial Services LLC is asking me to pay them {$XXXX} which is likely the original bill for the ambulance. They have sent me two paper debt collection letters, one in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the continental U.S. due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested by phone my credit report from all 3 reporting agencies. I first contacted them about 6 months ago and each bureau stated it would be in the mail. Nothing came. so 3 weeks ago I contacted all 3 reporting agencies again. They also told me again I would receive my report in 7 to 10 business days. Still no reports
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX  Balance Owed : {$5000.00} ; XXXX XXXX BalanceOwed : {$8400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$160.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX
Product: Mortgage

Last year Bank of America lost a payment. We were charged late fees and had to catch back up. The payments go through my business account so my staff ensures the bills are paid on time each month. After the payment was lost and I made a phone payment, my staff was advised that we wouldn't have that other check clear and it definitely hadn't been received. Less than a month later it cleared. It had been lost in THEIR processing center. 
XX/XX/XXXX we received an overdue notice. My staff member is working on tax things and hadn't balanced the XXXX books yet. When she saw the overdue notice, she immediately looked for the check. It was cashed on the XXXX of XXXX. When calling in we were transferred multiple times ( at least four ). One person said it was received the XXXX. One said the XXXX. Another said the XXXX and then when called out on that statement tried to say that she was just repeating what I said. I was on speakerphone. The XXXX was a date I never gave, and now has me question when the check was actually received. 
Bank of America refused to waive their late fee because they had already waived a previous late fee. A staff member prior to that transfer even stated that many consumers have been calling in with similar issues. Why should we need to pay for their mistakes. This is a gross abuse of power by a mortgage lender and needs to be stopped at once.
Product: Credit card

On XXXX - I received email from Capital One informing me that my credit limit has been decreased. Capital One services the XXXX XXXX XXXX  credit card, & recently my credit line of {$2000.00} was decreased to {$800.00} because I no longer have a XXXX XXXX XXXX card. Today ( XXXX ), I called & spoke with XXXX members of Capital One ( a rep & then her supervisor ). The supervisor stated that they have no control over this as this is a XXXX XXXX XXXX rule. I was not aware of this rule, nor do I feel that this is a valid reason for lowering my credit limit. I can see if I was late on making payments, or very delinquent, but my account is in very good standing with them. By lowering my credit line, they are affecting my credit score negatively. The current amount that I owe is around {$600.00}. If you take the percentage of credit owed vs the credit limit, this now makes the % a lot higher & will bring down my credit score, which I have worked to keep high. I would like them to reinstate it back to where it was without me having to apply for an increase. Thank you!
Product: Credit reporting or other personal consumer reports

i have submitted a report with the XXXXXXXX. I want these hard inquiry deleted because i did not authorize these companies to run my credit, this charges are fraudulent.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt apply for credit with any of these companies XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX and XXXX have violated my rights by the way of reporting fraudulent accounts. The list of accounts below are reported by XXXX and Experian and violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. which protects my right to privacy. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are the accounts reported by the above mentioned credit reporting agencies.. 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 or 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. 

As a result of XXXX and Experian violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.
Product: Debt collection

sw credit for XXXX for {$510.00}. I believe this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account listed on my credit report as Midland Funding LLC for the amount of {$620.00}. this came back as verified, however without documentation or original contract.
Product: Debt collection

Every time they call me I asked them to send me the original contract with my signature on it to validate this debt and I havent received anything yet
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.

1. XXXX XXXX XXXX DATE OPENED XXXX BALANCE $XXXX
2. XXXX XXXX XXXX; DATE OPENED XXXX BALANCE $XXXX  3. XXXX XXXX XXXX DATE OPENED XXXX  BALANCE $XXXX
Product: Credit card or prepaid card

I writing in the hopes that you can assist me with addressing a matter of late payment history I discovered when reviewing my report and attempted to resolve directly with the company. The payment information in question is : XX/XX/XXXX listed as 30 days late XX/XX/XXXX listed as 30 days to XXXX late through XX/XX/XXXX I am still unclear on how this happened and upon review of the information with the company this was a minimal fee charged that then accrued more fees when it wasn't paid. I was completely unaware of this bill, the only thing I can figure is that the statements were not being delivered to me. I advised the creditor of this at which time they advised me to send a letter to them explaining and this would be addressed in writing. I did so, and didn't hear back and continue to be damaged by this discrepancy.
Product: Checking or savings account

I am a victim of identity theft when someone opened a Capital One Bank checking account in my name, physical address and email address. Once I received an email from Capital One about my new account, I contacted Capital One with help of my XXXX agent to get this fraudulent account canceled. Capital One rep supposely put a " red flag '' on the new account and indicated that the account will be canceled. I opened an FTC identity theft report, filed a local police report, put freezes on my credit reports, and sent a letter to Capital One based upon FTC recommendations. See attached letter to Capital One Fraud and Disputes dept dated XX/XX/2023. Since the time I sent the letter to Capital One, I keep getting statements and other correspondence about the checking account indicating that the account is still open in my name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX isn't reporting my house payments for over 6 years. I sent them the reaffirmation documents for my Discharge of Bankruptcy. No one want to take care of my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 a account without my written instructions