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

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Debt collection

I got a notification that I had a collection account on my credit report and it was from XXXX XXXX XXXX with Cash Central. This account was included in my bankruptcy in XX/XX/XXXX. I called Cash Central XX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with XXXX XXXX XXXX. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from Cash Central that I will attach to this claim.
Product: Checking or savings account

Chime closed my account out of nowhere for no reason I had XXXX in my account they told itll take 30 days to receive my funds I dont think it should take that long for me to get my money
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 confidentiality under 15 USC 1681. 

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Late Open : XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$460.00}
Product: Debt collection

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My Simple account was transferred to a BBVA account which was supposed to be a seamless transferred today will not let me log in and have access to my funds. I can not log in, I can not see my balance, and they are closed for the weekend and I cant contact and customer service.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called and emailed pro collect to try and settle debt although I don't agree with the amount.up on on XX/XX/XXXX and XX/XX/XXXX no amount was accept i offered to pay 200 dollars to start a payment plan i was told i needed more and that nothing would be accepted unless i had that amount, explained my circumstances and it was ignored and i was rudely hung up on. However on XX/XX/XXXX i called procollect trying to settle debt again and was told my account was restricted and no information could be provided to me and that i need to email Mr.XXXX, so i did and on Thursday XX/XX/XXXX @ XXXX XXXX Mr.XXXX called me and i asked if i could start a payment plan to try and resolve the debt and explained my situation and Mr. XXXX refused to settle or provide payment options. I aslo reached out again on XX/XX/XXXX trying again with the same end result. so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXX, XXXX, XXXX, XX/XX/2022,
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX  ] [ XXXX  elm, Texas, XXXX ] [ XX/XX/24 ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Subject XXXX Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) Dear [ XXXX XXXX XXXX XXXX ], I am writing to dispute certain information in my credit report that I believe is inaccurate. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that the information be investigated and, if found to be inaccurate, corrected or removed to ensure the accuracy of my credit report. 

The item ( XXXX ) I dispute is/are as follows : [ XXXX the disputed item ( XXXX ), such as the name of the creditor or source of the report, the type of item, and the date it was reported. Be as specific as possible. ] I have enclosed copies of documents that support my position. Please investigate these matters and correct or remove the inaccurate information as soon as possible. 

Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice. Should you find the disputed information to be inaccurate, I request that you notify all credit reporting agencies to whom you have reported this information to correct the inaccuracies. 

Thank you for your attention to this matter. I look forward to a prompt resolution. Please send me written confirmation of the investigation results and any changes made to my credit report. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request.
Product: Credit reporting

I have a public record that appears on my Equifax credit report with a Docket # XXXX. This judgement does not appear on NJ Court Records search. It was a previously satisfied judgement and was advised once this was removed from court records that it was to be removed from my credit bureau file. This judgement does not appear on my XXXX or XXXX report any longer for these reasons. I have disputed this item multiple times with Equifax because it is no longer valid and not in searchable court records. Equifax states that this item will be removed from my credit report until XXXX of 2017. If the item is not an entered judgement any longer it should not remain on my credit file longer than neccessary. Equifax has repeatedly stated to me thatthey verify and iformation on the credit report directly with the courts. I contacted the court directly and they stated to me that they do not reach out to credit bureaus or respond to disputes from credit bureaus regarding public records. Equifax is using a third party company to apparently verify public records but my question remains, how is a third party company verifying a public record that does not exist?
Product: Debt collection

Portfolio Recovery is trying to collect a debt account number XXXX, that i have no knowledge of, and that i believe is a result of Identity Theft. I sent Portfolio Recovery a debt validation letter asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. Portfolio Recovery has yet to send me any of the items mentioned. I do not owe this debt. This debt is deficient of physical verifiable validation, and i believe this debt is a result of IDENTITY THEFT. They are reporting this debt to all three credit bureaus which is hurting my reputation. If Portfolio Recovery does not have this collection account removed from my all three of my credit reports i will file litigation against Portfolio Recovery for violation of the FDCPA, and seek monetary damages, file compliant with the Attorney General of my state, and file compliant with the XXXX. This is the last chance i'm giving Portfolio Recovery before i take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of problem like many others is with XXXX, AMEX. Yes have racked up credit debt. AMEX went after me using their credit. They gave a {$10000.00} limit when first signed up. So started using it. 
Also it's XXXX a big problem reporting amount I had used. Who's to say we have monies saved up. XXXX and AMEX crossed the line.They have so many documents you would have to be a lawyer to keep up. We already paid down {$1000.00} to AMEX as well as {$100.00} recent payment. They dropped my usage down to {$2900.00} from {$10000.00} I'm citing AMEX with bad policies holding credit against its customers Also XXXX for dropping my scores no doubt to get into their high credit interest cards. 
Companies like these should be closed. I'm pretty sure XXXX must get a cut behind closed doors. Never use info against consumers. Especially paying on time. I think they try to lower scores for their own benefits. I didn't misunderstand a thing if they should try the consumers XXXX  ploy. 
Thank You
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT IS REPORTING INACCURATE AND UNVERIFIED ACCOUNTS. THESE ACCOUNTA ARE A VIOLATION OF THE FCRA BECAUSE THEY HAVE XXXX  INACCURACIES IN THE DATE OF LAST ACTIVITY AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT INFORMATION IN THE PAYMENT HISTORY, DATE OF LAST ACTIVITY/STATUS DATE BETWEEN ALL XXXX, XXXX AND EXPERIAN. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX ) ( XXXX XXXX ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE UNAUTHORIZED INQUIRIES REPORTING ON MY CONSUMER REPORT. I DID NOT AUTHORISE THE ACCOUNT TO PULL MY CONSUME REPORT. THEY HAD NO PERMISSABLE PURPOSE AND IS IN VILATION OF FCRA LAW. DELELTE VERY INQUIRY I HAVE LISTED IN THE RESOLUTION AREA IN THIS COMPLAINT.
Product: Credit card

I had opened a credit card but shortly discovered I was not given the agreed-upon credit limit. I had requested a specific limit in order to begin bringing up my credit score, but the lower limit given to me caused me to max it out faster than I was aware, which caused a ripple of higher interest charges that took longer to reduce despite on-time payments. During a period of economic hardship and some missed payments, no assistance was offered when I called in to attempt resolving the problem. I was not sent my original paperwork upon request and I was never given the specifics as to what my interest rate was at the time. I was essentially at their mercy with regards to them telling me what I owed them each month. It became such an issue that I stopped making the payments because it would've been easier to take the short term temporary hit to my credit score instead of making long term overpayments.
Product: Student loan

Signed up for rate reduction program in  XXXX  of   XXXX  . It is for 15 months of automatic payments. Since my account was delinquent I had to pay 3 months in a row in order to qualify for the plan and my account would be brought current. For some reason, there was an issue with the rate plan abo ut 1.5 months into the first three months. I was told I needed to provide my bank account information again, before the end of the three months and that all would be fine. Nothing would change. Today I gave them my bank account information, but I was told my account would not be brought current even though I paid the three months consecutively. They said I would have to pay three more months in a row and I 'd be brought current and the program would be reinstated. I am very tired of Navients deceiving ways to get you to make payments. I paid three months and now my account will   remain delinquent. I do not find it fair that I am throwing away my money for it to just disappear and not be applied to my loans. Something needs to be done. This is not the first time I have had an issue with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch twice that erased all hard inquiries off of my credit report. A few days later those same inquiries that were deleted were reinserted without notifying me of the deletion or reinsertion. According to the FCRA, requires the credit reporting agency to notify you no later than five days after the date of reinsertion, and no notification was provided to me of reinsertion. I have contacted Transunion on several occasions on good faith about deleting hard inquiries from my credit file they have illegally reinserted with no satisfaction. I 've been told to file a police report or contact creditor for a letter of inquiry deletion.These inquiries add a hardship for me and my rights are being violated by Transunion.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FCC Identity Theft report and forwarded the documents to Transunion. By Law, The entries were entailed in my dispute letter and must be removed/blocked within 4 days of the Bureau receiving the documents. Transunion received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Transunion refuses to comply by FCC and FCRA compliance laws and block the accounts. The fradulent tradeline is XXXX XXXX XXXX. The fraudulent inquirees came from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS guidelines, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. To date, I have not received this form for the aforementioned account. The absence of this document suggests that the charge-off may not have been properly processed, and I believe it should be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. As this charge-off is not accompanied by the necessary 1099-C documentation, I kindly request that you investigate this matter and remove the charge-off from my credit history. 

Please let me know if you require any further information from my side to facilitate this investigation. I appreciate your prompt attention to this matter and look forward to your timely response.