23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contested these issues before. This is the 4th time now. I have submitted the following letters to all three bureaus. XXXX Transunion and XXXX. 

I am submitting a copy of the letter sent to all three bureaus for each of the following creditors showing on my accounts. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX and XXXX XXXX. 

letters were sent on XX/XX/XXXX and XX/XX/XXXX. There were letters sent before these. I have received correspondence from XXXX Transunion and XXXX with no changes to my reports To : XXXX -- -XXXX  XXXX -- Transunion XXXX : XXXX XXXX -- -- XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

I have submitted a letter stating the above collection or credit companies need to be deleted from my credit profiles. None on these agencies have sent any letter prior to placing negative information on my credit profiles which is a violation according the the Fair Credit Reporting Act. They were required to send this letter to me as a part of assuring maximum accuracy on my reports There are showing incomplete areas which to assure maximum accuracy of my report should be completely filled in as they are showing several blank spaces where open and closing dates are. ending dates and several other blank spaces which are shown on the copy of the reports I sent. ( Copy of letter enclosed ). I am requesting these companies be deleted from my profiles with XXXX XXXX and transunion. XXXX XXXX is showing two different entries to make it look as if there are two different accounts. One account has transunion and another account has XXXX  and XXXX. XXXX XXXX has never sent a letter prior to placing negative information on my account which is a violation. i have sent a letter to XXXX XXXX which shows two listings of 30 days late each. Please update these two listings as PAID AS AGREED never late. I have never been sent a letter prior to placing this negative information on my account. 

If i can not get this information corrected I will obtain counsel. this keeps going round and round and the information still remains on here. 
I have asked that inquiries I have not made be deleted. the only inquiry I have is XXXX XXXX. I did not make any inquiry to XXXX XXXX -- -XXXX  or any other company. I have asked that my names be corrected. My name is XXXX XXXX or XXXX XXXX XXXX. I have not gone by any other name. I have asked that addresses be corrected. I have one address. You show addresses for me at several other addresses. I am asking you for the final time to remove these addresses. I am not associated with them and do not reside and have never resided in any of them. I have been at the XXXX address for over 25 years.
Product: Checking or savings account

Good afternoon, I bank with Wells Fargo but they still charge me a non Wells Fargo atm fee when I drive out of my way to use their teller.
Product: Student loan

IN XX/XX/XXXX I FILED BANKRUPTCY AND INCLUDED THIS DEBT NAVIENT WAS ON THE CREDITOR 'S LIST NAVIENT FAILED TO REPORT THE DEBT TO US TREASURY SINCE XX/XX/XXXX I NEVER REAFFIRMED THE DEBT NOW IN XX/XX/XXXX PAYMENTS ARE TAKEN OUT OF MY SOCIAL SECURITY NOW DEBT SHOW XXXX BALANCE ON NAVIENT WEBSITE
Product: Debt collection

Im tired of sending letter to this company. I've sent a total of 5 letter and they still dont give the proof that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. In accordance with the Fair Credit Reporting Act below, the following accounts have 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 an account without my written instructions. 15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT 15 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. *****COMPLAINT****** Reporting agency reflecting inaccurate information on consumer record. XXXX XXXX, XXXX is reflected on EQUIFAX as a collection account on the consumers record. Consumer is not aware of any account contract/agreements with this company. Reflecting innaccurate information constitutes willful non-compliance and under 1681n, section discuses that in general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Product: Debt collection

I just received an email from XXXX XXXX stating that my credit score has dropped. I investigated the issue. I found a new collection account from  XXXX XXXX XXXX in the amount of {$1000.00} from the originating claimant of XXXX XXXX XXXX XXXX. According to the information provided the collect account was opened XX/XX/XXXX ; however, I check my account with XXXX XXXX bi-monthly and this email of notification of a new collection account was just received this morning at XXXX XX/XX/XXXX. 

If this account was open XX/XX/XXXX, I was denied my rights to Section 809 of the FDCPA. I have never received any written notification from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect them to be fraudulent. I urge you to conduct a comprehensive investigation and promptly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

09 XXXX XXXX XXXX XXXX has hired a Third party company " Rent Recovery Solutions ''. To collect a debt they say I owe to XXXX XXXX XXXX XXXX. 

I have NEVER had a contract with " RENT RECOVERY SOLUTIONS '' NOR did I give them my expressed written consent to contact me by phone.. I'm asking that " RENT RECOVERY SOLUTIONS '' proves any alleged debt that I have with " RENT RECOVERY SOLUTIONS '' pursuant to 15 U.S.C. 1692g, for them to validate their claim of debt against me.

I am asking that " RENT RECOVERY SOLUTIONS '' proves that I have a lawful contract showing I owe them a debt.. 


I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ).

I am asking that proof of debt with " RENT RECOVERY SOLUTIONS '' be established for the record.. since it can not be produced I ask that such FRAUDULENT report be removed at once..

Also have a UCC-11 from the Secretary of State filed that proves I have NO DEBTS. All liens and dents are recorded and kept with the Secretary of State he has no proof of this alleged debt so how can it exist if not by claim? Please remove erroneous statements off my credit. As public servants. 

Please provide proof of debt with signature from Me " RENT RECOVERY SOLUTIONS ''
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my XXXX XXXX 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Debt collection

On XXXX/XXXX/XXXX Portfolio recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted Portfolio Recovery @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the rep sttd no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the rep said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says XXXX XXXX XXXX however, I have never banked with XXXX XXXX and never have fallen behind on any of my credit cards with XXXX XXXX. I have also contacted XXXX XXXX and have been advised nothing has been sent by them to this collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today after a creditor was unable to pull my credit report, and I was told that my credit file had been placed with the office of consumer affairs. They are blocking access to my credit report and creditors are unable to access my file. This is causing me to miss out on being able to apply for a mortgage. Additionally, I am unable to gain online access to my credit report as they have blocked me from that as well. I was told by a representative in the consumer affairs office ( she refused to give her name ) that access was blocked because I disputed the incorrect spelling of my name and addresses that were not mine. As a result of seeking an accurate credit report, I no longer have timely access to my credit report and potential lenders are not able to access my file. Additionally, I called back and spoke with a XXXX XXXX who said that the reason why Equifax was blocking access to my file was that my credit file was " randomly chosen ''. This is a direct contradiction to what I was first told - ( clocked because I disputed the incorrect reporting of my name and address ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted XXXX XXXX and let them know I had unauthorized charges on my bank statement from cash app. On XX/XX/2023 I was told that my claim got denied because they don't refund for third party apps. I have tried going through cash app to file a claim and no luck. I have filed police reports and have been doing nothing but trying to get my money back from these unauthorized charges. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XXXX {$150.00} XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because XXXX  is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying XXXX  for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX Portfolio Recovery A Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX these are fraud and I want them removed at once from my credit reports
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. Im writing this to delete the following information from my credit file. The items that I am requesting to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charges or changes. I ask that these items be deleted and updated in order to correct my credit file and protect my consumer reputation. These accounts and inaccurate information has been causing me to be denied by lenders. I ask that per FCRA Laws that these accounts be removed immediately.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that NATIONAL CREDIT SYSTEMS had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$1700.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting

They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!