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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Re : Request to Revoke Communication Rights and Demand Debt Validation To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf and direct XXXX XXXX XXXX to cease all forms of communication with me. Specifically, I am revoking any and all rights for them to contact me through text messages, emails, and phone calls. Please inform XXXX XXXX XXXX that I no longer wish to be contacted by these means, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). 
Additionally, I request that XXXX XXXX Associates provide me with the following information as required by law : 1. Debt Validation : As required under 15 USC 1692g, I request full validation of the debt they claim I owe. This includes documentation that proves the validity of the debt and ensures that the collection agency has the legal right to collect this debt. 
2. Purchase Agreement Between Collection Agency and Original Creditor : I am requesting a copy of the agreement between XXXX XXXX XXXX and the original creditor that establishes their right to collect on this debt. Without this documentation, I will not acknowledge the validity of the debt. 
Please ensure that XXXX XXXX XXXX provides these requested documents within the legally required timeframes. Until such time as they fulfill this request and provide validation, I request that no further action be taken regarding this alleged debt. Additionally, any reporting of this alleged debt to consumer reporting agencies should be halted until proper documentation has been provided. 
I trust that the CFPB will take the necessary steps to protect my rights as a consumer. Please confirm receipt of this dispute and update me on the progress of your investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, equifax, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card accounts and personal loan. Due to the data breach from XXXX and identity theft which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account XXXX XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX has XXXX my XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for HOURS to get ahold of anybody at Experian. I have an existing despite j need deleted it is affecting me getting my house I am purchasing. I have called multiple numbers with one lady answering one single time only to tell me she would have to transfer me. Automated system gives you two options of hangs up on you and days they are unavailable to help you at this time. This is the worst company ever to deal with I would high recommend never hanging to deal with them XXXX and XXXX were 100 % helpful and tentative to all my needs especially via phone.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act the following companies - XXXX XXXX XXXX XXXX Number XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX - XXXX XXXX XXXX- Account Number - XXXX - Department of Education- Account Number-XXXX XXXX XXXX Account Number XXXX - XXXX XXXX- Account Number XXXX - XXXX XXXX- Account Number XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX- Account Number XXXX XXXX XXXX XXXX Account Number-XXXX - XXXX XXXX- Account Number- XXXX 15 U.S.C1681 section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency account furnish account without written instructions.

I have submitted a dispute of inaccuracies and to no avail, the report has not been rectified.
Product: Debt collection

Received 2 phone calls on XX/XX/2020. The first call came in asking to speak with a family member in regards to a debt. I dont live with this family member so they are not supposed to call my cell phone to collect on a debt. I called them back and ask to remove my number from the dialed. Then a second call came in around XXXX  from a different from number and they heard my voice and hang up the call. 

NCB management services incorporated
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I started using XXXX XXXX  services to clean my credit report. XX/XX/2019, XXXX XXXX successfully attempted to remove 9 accounts of public filing/bankruptcy off of my Equifax credit report. XX/XX/2019 Equifax left the other accounts alone but, placed the public filing  back on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2024 [ XXXX, XXXX, Experian ] Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts : US DEPT. OF EDUCATION/XXXX  - Account Number : XXXX DEPT OF ED XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : 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 I believe these accounts are inaccurately reported on my credit file, and I request their immediate removal. The Metro 2 coding associated with these accounts does not accurately reflect my credit history and is in violation of the FCRA.

Furthermore, the reporting of these accounts is in violation of various sections of the United States Code, including but not limited to : Section 1681s-2 ( a ) ( 1 ) ( A ) of Title 15 : Obligations of Furnishers of Information to Consumer Reporting Agencies , which requires furnishers to provide accurate information.

Section 1681s-2 ( a ) ( 8 ) of Title 15 : Duty of Furnishers to Provide Notice of Dispute, which mandates that furnishers investigate disputes forwarded by credit bureaus. 

If these accounts are not removed from my credit report within 30 days, I will have no choice but to pursue legal action against the credit bureaus and the furnishers of this inaccurate information. 

I expect your prompt attention to this matter. Please provide written confirmation of the actions taken within the specified timeframe. 

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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been charged overdraft fees and checks have been returned on my account causing more fees fro m other companies too also charge me fees for reprocessing the checks that have been returned. Huntington Bank states that they give you 24 hours grace but they do n't. In fact one day they gave me no notice at all : returned a payment to my credit card company and charged me a fee & this was all on a Sunday ( not  even during banking hours. Also- I am signed up for text alerts, email alerts, daily balance alerts, etc. I was not notified of anything in advance. Only after the fact. I was charged  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  by Huntington Bank and then  XXXX  dollars by  XXXX  for redeposit of checks tha t Huntington had sent back without notice and without 24 hour g race. I had tried to buy something with my debit card & I had been approved to go into the negative on my debit card was declined - the branch manager returned  XXXX  overdraft fee  one tim e because he said that was wrong- but I still had to pay the  XXXX  dollar fee to  XXXX   XXXX .  Huntington  refused to heed my complaint so I thought maybe you could help. Is n't this false advertising?
Product: Credit reporting or other personal consumer reports

On today, XX/XX/XXXX, I received the notification from Equifax credit report stating that XXXX reported My Account status XXXX within XXXX days. 

I called XXXX XXXX customer service department and spoke to representative XXXX on XX/XX/year> at XXXX XXXX and confirmed the The last reporting status was on XX/XX/XXXX showing the balance of {$15.00} and that they did not send Equifax an additional notification for XXXX. The representative confirmed that they ONLY report to Credit REPORTS once a month based on the customer bill cycle. 
I confirmed that my billing cycle is the XXXX of each month. Therefore another credit reporting should not report until XX/XX/XXXX!! The representative stated that this appears to be an error with Equifax however Equifax receives information from the creditor. 

There seems to be an error on both sides and it needs to be corrected immediately. My credit card balance should not be getting reported XXXX  within a XXXX  day timeframe. I checked my other credit reports and it is showing correctly. 

My Equifax credit report should reflect my billing statement! 

Please view attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX Balance : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Credit reporting or other personal consumer reports

I submitted wrong info for XXXX XXXX XXXX Im submitting correct infoI have attached a statement showing I have reached and disputed this months ago and they didnt do anythingLegally they are not properly verifying the incorrect and inaccurate info on my 3 credit reporting agenciesThey never got me the info I requested.So they could properly verify the account
Product: Debt collection

The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue.
Product: Credit reporting or other personal consumer reports

I have not applied for a loan with this company. If a loan was applied for it was done illegally. I believe I am a victim of fraud. My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt The Agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only
Product: Mortgage

On XX/XX/XXXX I received a letter in the mail from My Mortgage Company Wells Fargo that as of XX/XX/XXXX the servicing of your Mortgage Loan was being transferred to XXXX XXXX XXXX XXXX. 

Beginning on XX/XX/XXXX XXXX XXXX XXXX would begin receiving payments on your mortgage loan and Wells Fargo Home Mortgage would no longer be accepting payments on this loan. 

I called Wells Fargo and was told that they no longer had my loan and it was sold. However as of this date XX/XX/XXXX noone will tell me who they sold it to. 

When I called XXXX XXXX XXXX to get the name of my new mortgage holder they told me they could not give me that information and it was their policy to protect the loan holder, When I called Wells Fargo they could not tell me who the loan was sold to. There no longer is anything in the wells fargo system and XXXX XXXX XXXX doesn't even have an active account but they told me that I could make them a payment. 

My question to them was where would this money go and why would I pay a company that won't tell me who the lender is?
Product: Credit reporting

I attempted to access my experian credit report and a message came on, I could not access my credit report at this time. I placed a fraud alert on my credit reports 2 days ago I 'm not sure if that has anything to do with their refusal to let me access my credit report at experian. 
XXXX sent me a letter declining my request for credit and stated their decision was based on information from an experian credit report, if I ca n't access the report how can I dispute any problems?
Product: Credit reporting, credit repair services, or other personal consumer reports

I love my XXXX  XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.
Product: Credit card or prepaid card

I have a prepaid Citibank card and a merchant issued a refund of XXXX to it because it was one of the cards I had on file with them. This was issued in XXXX of 2017. I have contacted Citibank numerous times and sent them all documentation they requested. I have documentation from the merchant showing this transaction and Citibank accepting the credit of XXXX. The merchant had 2 cards on file for me as I have an ongoing marketing account with the company, the other bank card on file had expired and it was the one charged for the original purchase however they automatically remove cards with expiration dates so they issued the refund to the Citibank card as they assumed I would receive it, WELL I never did and Citibank has kept that money for almost a year and has not added it to my prepaid card or sent the money back to the merchant so that they could return the money to me. All Citibank has done is give me the runaround and are holding the money that belongs to me.
Product: Debt collection

This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XXXXXX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Contributor : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Bank Name : XXXXXXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX