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

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to Experian, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ATTN : XXXX, XXXX, XXXX, INNOVIS RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : Collection Account Account information disputed by consumer, meets FCRA requirements DISPUTE : NOT LIABLE Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

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

XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$510.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$610.00} XXXX XXXX XXXX XX/XX/XXXX now updated XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$440.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX now XXXX XX/XX/XXXX ) {$0.00} And my personal information updated XX/XX/XXXX I contacted all ( XXXX, XXXX, Experian ) to update my information and a complaint of identity theft as well as an police Report is on file my personal information was breached and misused. And how these agencies verified information with the wrong personal information ( address, name, birthday, No ssn, No work history, as well as the address to these accounts.
Product: Debt collection

My id was stolen and multiple accounts were opened under my ss # I filed police reports and have sent them in. On or about XX/XX/year> I received a alert from XXXX that my XXXX  score had dropped over XXXX points. After checking my credit file I saw that Consumer Adjustment Co. has put a collection notice on my report for non payment. in the amount of {$2600.00}. This is not my account i have started a dispute with XXXX and notified Consumer Adjustment Co. I don't know what else to do I would like to have this removed from my credit file. I have all my and my wife 's bills taken out in full automatically from our checking account, we don't have a mortgage and don't carry balances on our credit cards.
Product: Credit reporting or other personal consumer reports

According to The Fair Debt Collection Practices Act 15 U.S.C.1692 ( g ). All debt that has been sold to third-party collectors needs to be removed from my credit because I had no knowledge and gave no consent. I disputed the collections on my credit. I asked the bureaus for documentation proving that these debts are mine and they have been unsuccessful.

All hard inquiries need to be deleted according to 15 U.S.C. 1681 ( n ), All charge-offs and collections need to be removed according to 15 U.S.C. 1681 ( n ) and 15 U.S.C 1681 ( c ) ( 2, Any late payments as well needs to be removed immediately according to 15 U.S.C. 1666 ( b ), 15 U.S.C. 1637 ( a ).

All credit bureaus have refused to make corrections even after documents were submitted to them. None are reporting accurately and when I expressed that their neglect has hindered me in purchasing a home they refused to remove the items violating federal laws they are governed by.A
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S. code 1681 ( e ) ( b ) 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. 

This account attached XXXX XXXX XXXX is reporting several inaccuracies which violates my rights as a consumer. 

This account is inaccurately reporting " dates opened '' as XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and Equifax. 
This account also is inaccurately reporting " last reported '' as XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on Equifax. 
This account is also inaccurately reporting " date of last payment '' as XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on Equifax. 

As stated before, these are numerous inaccuracies that violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history.If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation.According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

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 XXXXXXXX XXXX
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 or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted regional acceptance on XXXX/XXXX/2020 and I told them I will hire an attorney to take over my case ... and now they want communicate with me ... they said since Im going to hire a attorney the cant no longer talk to me. The rep ask me so you hiring an attorney and I said yes! I am XXXX because Im accused of a debt that I didnt do how could they give a person a auto loan that was making 15 hours a week Logged on my work history I have never made over 40 hrs with XXXX  in XXXX XXXX nc this is fraud!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.
Product: Payday loan, title loan, or personal loan

My XXXX XXXX was opened around XXXX of XXXX. I had a loss of employment therefore causing financial hardship on me. The lender TitleMax of Missouri repoed my car on XXXX XXXX XXXX. I have tried to work with TitleMax but they just dont want to work with me or understand my issues. I always get a different representative on the phone saying different things. I also offered to give them {$300.00} dollars this month and they said it was too late. This Company has several bad reviews so therefore I 'm also filing complaints with other state and Federal agencies.
Product: Checking or savings account

I filed an earlier complaint # XXXX. Citibank claimed in XXXX that the complaint was resolved. This is completely untrue. The bank locked my account and all the funds and therefore I could not take out any money nor close my account and remove all funds. Be advised I called Citibank 6 times this week, spend three different trips in the branch averaging 1 hour per trip. The Citibank branch on XXXX, XXXX XXXX had me sit at the desk for one hour at a time and then told me sorry your funds are locked up. This is more than {$26000.00} dollars. In the complaint where Citibank closed as resolved I tried to reach the rep noted 6 differnet times with no response nor any return phone call. I want the funds in a cashers check and I want to permanatly close these accounts. I am trying to understand how the bank can tell you this is settled when it has not been.
Product: Credit card or prepaid card

The credit card was opened in my name when I in fact have not made any purchases in the last 3 months or more from this company Best Buy XXXX credit card : I received a bill and a new card that needed to be activated. 

2 transactions XX/XX/2022 for {$540.00}, XX/XX/2022 for a total of XXXX I called them and they closed my account and pushed it through to the fraud investigation team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX {$440.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX showed up on my credit report around XX/XX/XXXX. 
They claim i owe them XXXX as of XX/XX/XXXX from a PayPal credit account through Synchrony Bank. I have XXXX knowledge of their claims and have called PayPal to confirm this matter. I was told by the PayPal rep on the phone that the account does not exist and that its impossible to have two accounts. I have an account with PayPal already with a current balance of XXXX. So this mystery account XXXX XXXX claims is fraudulent. I have disputed once already and they said its valid ( NOT TRUE ). 
I have called XXXX XXXX but was unable to reach anyone. So i did a quick google search and looked at reviews of this company and it seems they are doing this nonsense to other people. This is ridiculous and i would like this removed from my credit report please and thanks.
Product: Debt collection

CREDIT MANAGEMENT LPIS REPORTING FALSE INFORMATION TO MY CREDIT REPORT ( ACCT # XXXX ) AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607.  Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b )
Product: Money transfer, virtual currency, or money service

I sent money abroad ( XXXX ) to be honest I have done it before, but the last XXXX to XXXX transactions i have been having issues with Western Union, just recently they requested my social security number, I don't think they need that information, today XX/XX/year> I sent {$50.00} dollars and they said the money was on their way later it said it with need XXXX hours to resolved the issue I didn't need to do nothing later I log in to Western Union and it said they needed to speak to me for XXXX minutes, I have given them my XXXX  driver license and also my XXXX XXXX and still they want my social security number, I requested a refund since the money is on hold but they refused to refund the money.
Product: Debt collection

PHH Mortgage Services is attempting to collect {$6000.00} in fees and assessed expenses with my mortgage statement. I am currently behind two months of mortgage payment for a total amount of {$5400.00}. They are refusing to accepted what is owed of {$5400.00} in back mortgage. Attached you will find a current mortgage for the month of XX/XX/2020 an it will reflect they are demanding the penalty fees and assessed mortgage in one payment. A mortgage lender is not allowed to demand penalties, fees or assessed fees when asking for back mortgage payment.
Product: Credit reporting or other personal consumer reports

I would like these accounts to be remove so my credit can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NOW INQURIES 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 I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX XXXX XXXX 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. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX BANK XXXX {$760.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I received a notice dated XX/XX/XXXX saying my escrow account was going to be short and that my monthly escrow payment of {$330.00} was going to be increased to {$770.00}. I contacted Bank of America in XXXX or XXXX of XXXX about this issue. I told them that there is no way that their calculation is correct. They stated that the algorithm determines how much I will owe and that the only way to change it is to wait until the tax bill comes out. 

The tax bill came out and my first installment was paid by Bank of America using my escrow account in XX/XX/XXXX. The algorithm calculation of what was going to be owed on my taxes was clearly wrong, yet Bank of America continues to charge me {$770.00} per month. When Bank of America made those first tax installment payments on XX/XX/XXXX, they should have done reanalyzing of my escrow because of the obvious inconsistencies with their estimation which was requiring such a large monthly escrow payment ( Well over the legally allowed cushion ). 

My breakdown of what should be in my escrow account is as follows : XXXX Tax Bill Home : {$4100.00} ( First installment : {$2200.00} ; Second Installment : {$1900.00} ) XXXX Tax Bill Parking Spot : {$670.00} ( First Installment : XXXX ; Second Installment : {$300.00} ) Homeowners Insurance : {$430.00} Total due in XXXX : {$5200.00} I faxed over the yearly tax statements to Bank of America on XX/XX/XXXX so that they can not claim that their estimation is correct, but paying this large amount every month has been extremely difficult for me.