23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a first credit card bill from XXXX XXXX Bank ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX  XXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( 15 numbers instead of 16 etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXX  but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to XXXX, XXXX in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called Halsted Financial Services XXXX XXXX IL ) they were collecting for aforesaid XXXX XXXX. Note : I never opened an account with XXXX XXXX ; I have never heard from XXXX XXXX directly, and have contacted Halsted with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, & Share This ( XX/XX/XXXX XXXX. BOTTOMLINE : XXXX XXXX XXXX  if now trying to collect for XXXX XXXX for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name XXXX Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The company credit bureaus Equifax removed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 


The credit bureau XXXX removed a collection from XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and also Afni XXXX in XXXX XXXX. I check my credit score on XXXX/XXXX/XXXX and saw my credit scored drop 10 points because of an old collection that was removed and put back on with out be being notified five days after it was put back on. 

These Accounts were disputed by Law Offices of XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with the process. I already sent letters to Bureaus to inform this issue on XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I since a request 2 years ago. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demanded a deletion of all personal identifiable information from my consumer credit report, only to report what I want to be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help .... 

There is incorrect information on my credit file. Please assist me in removing this inaccurate Information. 

there are incorrect name spellings on my Transunion credit file ; XXXX  and XXXX ; also XXXX, XXXX XXXX there are several inaccurate addresses ; XXXX XXXX and XXXX XXXX XXXX I was never 30 days late on the following accounts in XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX & XX/XX/XXXX for the XXXX XXXX I was never 30, 60, or 90 days late on the following accounts in XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX ; XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX for the XXXX XXXX. 

The XXXX  XXXX account do not belong to me and it is reporting on my Transunion & XXXX ; Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX - 4 Times XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.
Product: Bank account or service

Our business has between 1-3 business checking and savings accounts ( I believe ) with Key Bank. The member who had sole access to the accounts died XX/XX/2016. XX/XX/2016, the business voted on a resolution to allow me access to the accounts. XX/XX/XXXX, I met with XXXX XXXX at the XXXX XXXX branch of Key Bank with all the documents my estate administration attorney advised. Almost two months later, there is always an excuse : unexpected training, illness, the only person who can help is in XXXX, etc. I even have XXXX of the account numbers, and need access. The business has come to a halt while I continue to wait for Key to make progress.
Product: Mortgage

NewRez sent my homeowner insurance payment to the incorrect address and now my insurer is telling me that my policy is about to lapse. NewRez is now telling me that it will take 45 days to stop payment on the check and issue another, unfortunately my insurance company does not allow for a XXXX day grace period. The payment was sent via US Mail the day before it was due, which allowed very little time for transit and processing. 

Contacting NewRez is extremely time consuming. It seems they are understaffed. I have requested to use their automatic call back option, but the calls are not returned. I end up having to call back again. 

This is not the first time that NewRez has messed up my account. A few months back I sent in an extra {$20000.00} payment and clearly marked it as applying to the principal. NewRez placed it in my escrow account. I did not find out until the next billing cycle. I had to contact NewRez to correct the error.
Product: Student loan

My student loan debt, included in my bankruptcy discharge, has remained on my credit report for over a decade.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were removed off of my credit roughly a few months ago and once I checked my report days after around XX/XX/XXXX these inquiries were put back on my report with me not being notified from Transunion. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/MILESTONE GENESIS CC ENDING # XXXX THEY CHANGED FROM ACC ENDING # XXXX. 
ALL HE TRANSACTIONS OR CHARGES FOR THIS CREDIT CARD WERE FABRICATED BY THE CREDIT CARD COMPANY WITH A SECOND CREDIT CARD I NEVER USED.SENT A FAX LETTER ON XX/XX/XXXX TO XXXX, WHICH WAS NEVER REPLIED, AND YET THEY WERE WITHDRAWING PAYMENTS FROM MY ACCOUNT XXXX OF XXXX  XXXX THAT I HAD TO CLOSE BECAUSE WERE WITHDRAWING FUNDS WITHOUTH MY AUTHORIZATION AND MY ACCESS TO THEIR ONLINE SERVICE WAS BLOCKED.STARTING ON XX/XX/XXXX THRU XX/XX/XXXX ALL TRANSACTIONS WERE UNAUTHORIZED XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, AND XX/XX/XXXX XXXX, ETC. AS PER LEGAL ADVICE I ASKED THE BANK TO RETURN ALL PAYMENTS TO THIS CREDIT CARD.THEY CHARGED ME SEVERAL TRANSACTIONS WITH XXXX, SEE LETTER DATED XX/XX/XXXX, WHEN AT THAT TIME I DID NOT HAVE AN ACCOUNT WITH XXXX. 
I DONT OWE THIS COMPANY ANYTHING! THEY DAMAGED MY CREDIT COMPLETELY ... ... ....
Product: Credit reporting

My Experian credit report contains a wrong home address. Experian says the address was reported by a creditor, so I should contact the creditor and have them correct the information. However, Experian does not tell me which creditor incorrectly reported my wrong home address, so I have no way of contacting the creditor. ( By the way, the address Experian reports for me is fictitious -- it is not a address recognized by the United States Postal Service. )
Product: Credit reporting or other personal consumer reports

Inquiries on my credit profile that were not authorized by me. Furnisher stated that I did not present identity documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has on confirmation # XXXX my exchange report was used to generate an XXXX score which was resold by Equifax then Equifax states on page 9 of 24 in which pages are missing 7 of 24 pages and information missing of the so call claim of 1 of 24 pages. page 9 of 24 alerts File block Promotional Purposes but Equifax resold as page 14 of 24 It is clear that Equifax is selling information for Promotional Purposes as XXXX it's been worded I fact to make valid what there doing but on the other hand make money of the consumer. Errors updating correct accounts for 5 months like XXXX XXXX XXXX that Equifax just updated. Paid payment 3 months in advance as attach copy but Equifax just updated after 4 months. It is clear Equifax has error after error and goes months to clear up there errors but your credit score is not adjusted to there error or incorrect information with no base.
Product: Vehicle loan or lease

Dear to Whom this may concern, I am writing to formally dispute the balance associated with the vehicle purchased from XXXX XXXX XXXX in XXXX, which has resulted in significant distress for my family. 

From the moment we purchased the vehicle, we encountered numerous issues. After reaching out to the owner, we were assured it was a minor fix. The vehicle was kept for over a month, only to be returned in worse conditionwith a cracked windshield and additional problems. Following this, the owner ceased communication and subsequently closed the business, leaving us with a malfunctioning vehicle and ongoing payments. 

In XX/XX/XXXX, we voluntarily surrendered the vehicle, which had been our only means of transportation. Unfortunately, we are now facing reports of late payments on our credit, which is severely impacting our financial stability and our ability to purchase a home. 

We trusted XXXX XXXX XXXX as a small business and believed we were acquiring a reliable vehicle. Instead, we have faced a nightmare scenario that has caused considerable emotional and financial strain on our family. The vehicle issues were never resolved satisfactorily, and we do not believe we should be held responsible for the remaining balance, especially since the dealership has permanently closed and the owner has vanished. 

We request that you review this situation and consider removing the reported balance from our credit history. We hope to resolve this matter promptly so that our family can move forward without this burden. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported balance is {$17000.00} but Equifax I reported balance is {$15000.00} also Highest balance that is being reported buy XXXX is {$30000.00} but my Equifax Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries : XXXX XXXX XXXX, Inquiries : XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I recently reviewed my credit report where I discovered that ( ALLY FINANCIAL ) reported what was notated as a ( LATE PAYMENT ) for an Installment Auto Loan account date opened ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) ) any information placed on my Consumer report should be based in accordance to my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, you are obligated to investigate and resolve disputes within a specific timeframe. I expect these changes to be made promptly, and I hope we can resolve this matter without further escalation. 
I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue and have enclosed a copy of that complaint, along with proof of my identity and address. 

Names/ Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX}
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX - XXXX - {$220.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX DOB XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave 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.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please see attached - there is incorrect Personal Information on my Equifax credit report that needs to be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance to 15 U.S. Code 6802 I am officially Opting out of all Credit reporting from the following companies This notice to all Creditors of accounts shall now serve as official Notice a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are now put on notice to Never Report any type of information to Credit reporting agencies With the law as my supporting documentation