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

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the credit card debt associated with two accounts on my credit report. I have carefully reviewed the statements and records related to this account, and I believe there are inaccuracies that warrant further investigation. 
Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt associated with my account. Please provide documentation that proves the legitimacy of this debt, including the original agreement and any subsequent amendments.

Discrepancies in Reporting : I have observed inconsistencies in the reporting of this debt to the credit bureaus. I request that you review and correct any inaccurate information that may negatively impact my credit score. 
I kindly request a thorough and prompt investigation into these matters. As per my rights under the Fair Credit Reporting Act ( FCRA ), I expect a response within 30 days of receiving this letter. 

Please provide written documentation of the results of your investigation, and if any inaccuracies are identified, I request the immediate correction or removal of the disputed items from my account. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

I previously contacted the CFPB and informed them that Portfolio Recovery was harassing me by repeatedly placing telephone calls. 

I filed a complaint, and Portfolio informed the CFPB that they would stop. The case # is XXXX. Portfolio has called me at least SIX TIMES, AFTER they promised the CFPB that they would stop. I have the Caller ID information to substantiate this.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of XXXX XXXXXXXX, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, SUITE XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that TransUnion, XXXX and XXXX shows proof that I gave my consent for these late payments to be reported to my credit report XXXX  XXXX account # XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. XXXX  XXXX XXXX : XXXX  Reference Number : XXXX In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated credit report.
Product: Credit reporting

I 'm been disputing XXXX hospital bills that showed up on my credit report from a very shady collection agency named XXXX out of XXXX XXXX CA. I 've dealt with this company for over a year. They had an incorrect social security number as well as address and other information. I was able to get XXXX and XXXX to remove the information as they confirmed it was incorrect. However Experian was difficult to deal with. I called them several times, they confirmed the info was incorrect that the collection company and even told me they would remove it yet they did not. I called them last week, XX/XX/XXXX, FOUR times until finally a representative from Experian came back on the line after having me on hold for 15 min and told me the collection company wanted to talk to me. I told her I already dealt with them and they we 're very, very nasty and refused to accept this was not my account despite sending them information. None the less she came back on the line and said the collection company refused to proceed without talking to me. She also said she would be right on the line with me and I just had to answer questions. I begrudgingly did this and as I suspected the representative from the collection company was rude, condescending and put me on hold because I " was not behaving. '' Once he came back I gave him the information he requested however the representative from Experian did not tell me that the numbers on my social security number that we 're incorrect where the last XXXX numbers. The agent from the collection company asked me the last XXXX of my social, I gave it to him and the minute I did so the agent said " thank you thats all I needed, we 'll be in contact '' and hung up. Experian did not help me remove this item as they should have, they made it so this criminal company now has access to my info. I want Experian to be held responsible for this and I want these XXXX false reports from XXXX removed.
Product: Checking or savings account

On XX/XX/year> I received a message from Wells Fargo stating that someone was trying to withdrawal {$2000.00} and {$1000.00} from an ATM, at that time I called and got the transaction stopped. While looking at my account I noticed that there was a withdrawal from my XXXX account for {$4900.00} labeled as XXXX XXXX in branch at XXXX XXXX  The ATM withdrawal attempts were within XXXX minutes of the {$4900.00} withdrawal. I immediately submitted a claim as that was not possible, my wife and I are the only ones with access to the funds and neither of us removed any money from the bank nor have we ever withdrawn anything near that amount. Very concerning that someone was able to walk into the bank with ( obviously ) stolen information and there was no further questioning of withdrawal based on previous trends. I submitted a claim the morning of XXXX. On XXXX I called for an update and they told me my claim was being changed from check fraud to eproducts. I didnt hear anything for XXXX weeks, so on XXXX I called and they told me that my claim had been denied due to someone using the debit card and PIN number associated with your account. Which isnt possible as I still have the card on my person and have not shared my pin with anyone. My latest communication is that someone from the executive team should reach out to you in XXXX hours, but on our end the claim is closed.
Product: Checking or savings account

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was recently scammed by a dance company I purchased a uniform for with different payments for different parts of the uniform. Because of this I called to dispute the parts of the uniforms and the transactions with Chase. The amounts were ranged between XXXX XXXXXXXX {$400.00}. I woke up one morning, on the XXXX XXXX XXXX and my account wouldnt let me transfer. I called and theyd said the claims department told them to close my account, there was no warning, or any call to inquire about my claims! Just closing. I have money {$62.00}, and {$160.00} stuck in my checking and savings account. It has been 4 days and I havent received an update about the closure of my account or my money! This is unfair as I used this account for my business, XXXX XXXX XXXX XXXX XXXX XXXX. I am also a XXXX XXXX  who doesnt have the means to keep opening accounts. This needs to be fixed, as Ive done nothing wrong!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XX/XX/2024 XXXX  XX/XX/2024 XXXX XX/XX/2024
Product: Credit card

The Discover credit card was attempted to be in the last 10 days without my consent or knowledge. I have reached out to Discover about this information but I will not find out the full scope till 7-10 days from now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX XXXX through debt bondage. This situation falls under trafficking as defined by the XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hsbc bank is trying to collect funds I do not owe them, in XX/XX/2018 I had a balance of {$3800.00}, I went online to make payment in full, I noticed that I set up the payment for XX/XX/XXXX which was my due date, that was a mistake as I wanted payment for XX/XX/XXXX, I went and looked at transaction history and the previous payment didnt show, so I went and made the payment for XX/XX/XXXX, this payment cleared my bank on XX/XX/XXXX, my account then had a XXXX balance, then I found on XX/XX/XXXX Hbsc sent an ach to my bank for {$3800.00} when I had a XXXX balance, this was rejected by my bank for insufficient funds, I called HBSC about this and spent near an hour on the phone because now my credit card showed a credit balance of - {$3800.00}, when I called they said well we can send you a check for the credit amount, I told them no do not do that because you never got that money from my bank, she said well it shows up here, I said youre not going to get the money, they said then call back after that showed on my account, I waited then I received a check for {$3800.00} in the mail, I called them again and told them what had happened and that they had then charged me a {$25.00} returned check fee and sent me a check, after another almost hour on phone this was supposed to all cleared up and they reversed the {$25.00} returned check fee, I also told them to cancel the credit card, so I shredded the check they had sent, shredded the credit card, then on XX/XX/XXXX I  received a statement from HSBC, I did not have my log in so I ignored it, mind you I have not received a statement since XX/XX/XXXX, XXXX I started getting unknown XXXX calls and found out it was Hsbc, I called back and they said they were attempting to collect a debt and I owed them {$3800.00}, I told them this was supposed to be cleared and I shredded the check they sent and advised as to what happened, now they refuse to clear my account and the girl said they may have to send me another check and I would need to cash it and pay them again, I am in fear they send another check then they will say I owe them over 7000, I told them you are a bank, can you not see I never cashed the check and they should just put a stop pay on it and this would be cleared up, I dont know what more I can do
Product: Credit reporting 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 to privacy and confidentially under 15 U.S.C 1681. 

I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX  account # XXXX, and XXXX XXXX account # XXXX. However, they stated everything was accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC1681 1i ( 5 ), the are supposed to modify accounts that isn't responding correctly.

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 an account with 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 terms of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C. 1682s-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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian fraud department on XX/XX/XXXX around XXXX EST. I advised them I had several credit inquiries that was not done by me I advised them of the fair credit reporting act and they would need to investigate these inquires and remove them. The customer service agent stated they are not allowed to do that. 


XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my XXXX Experian and XXXX credit reports and noticed there were unauthorized/fraudulent inquires on each report ranging from XXXX has 7 XXXX has 10 XXXX has 5 , under the fcra guidelines each fraudulent inquires should be removed immediately. I am furnishing the inquires in the order of Experian, XXXX, then transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, i sent XXXX XXXX XXXX letter regarding the alleged debt of {$8100.00} that i do not owe and i haven't receive anything.I sent another letter on XX/XX/XXXX to them requesting information with the same concerns and they haven't replied.this inaccurate item is damaging my credit and stoping me from getting a house.I have attached copies below of the letters that i has sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 9 accounts that were negative and became late in early to XX/XX/2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file. 
One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that  XXXX sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. Equifax has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, XXXX, Equifax and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.