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

I sent a letter on XX/XX/XXXX, to remove XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX attempted to collect on debt from 1996. I asked them about statute of limitation on collection of credit card debt and they stated there was none. I verified that it is 6 years in the state of Connecticut and by law they could not impose legal action against me. They lied throughout the conversation and are fraudulent.
Product: Debt collection

Portfolio Recovery is charging me {$810.00} for a payment that Ive already paid off. As of today, XX/XX/year>, I have received a notification of this debt collection on my XXXX XXXX XXXX. Under 15 US code 1692c ( c ) a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt.
Product: Debt collection

As of XX/XX/year> a debt collection has been reported to the credit reporting agencies causing a derogatory statement on my personal credit report. XXXX Resource Management has listed a collection for {$570.00} as account # XXXX. I dispute this account and request that it be removed immediately. In accordance to 15 U.S. 1692g my right to validate this debt by receiving the original contract from the creditor and full payment history along with any insurance claim pertaining to it as well as the chain of title to the debt, was violated.

Credence Resource Management does not have authority to furnish any account information to consumer reporting agencies without adhering to the regulations mandated by law therefore I demand this issue be resolved by removing all derogatory information from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information for multiple accounts. I have a car loan from XXXX XXXX XXXX XXXX  reflecting XXXX XXXX XXXXXXXX days late which is a violation. In addition to that the address connected to this account does not belong to me and lastly the ssn attached is incorrect. This account should be deleted from my credit report immediately.
Product: Credit card or prepaid card

I have had an account for a few years, recently ( XX/XX/2023 ) I choose to us the card. After not receiving a PAPER bill I contacted the bank in an effort to ensure the billing address and contact information was correct/current. to my surprise I was told I was enrolled in a an email/automated which i never requested for. I have always paid my bills with paper checks. this was a mistake the bank made, my fear is now my credit rating will be negativity with late fees, past due, and increased rates/fees. As of Monday, XX/XX/2023 I am still trying to get this resolved and I have not received the requested PAPER bill. 

Citi Bank is being deceptive and dishonest!
Product: Credit reporting or other personal consumer reports

THIS AN UPDATE TO THE DISPUTE THATS CURRENT IN PROCESS. PLEASE ATTACH THIS TO DISPUTE IF POSSIBLE OR CONTINUE TO PROCESS XXXX DISPUTE. 
THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my XXXX report. 

INQUIRIES ( XXXX ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING XXXX XXXX XXXX XXXX CONSUMER XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX VIA DEALER XXXX XXXX XXXX CAP XXXX VIA DEALER XXXX XXXX XXXX REMEDY PLEASE REMOVE DELETE FROM MY CREDIT REPORT. 

STUDENT LOAN UPDATE MISSING PAYMENT FROM NEVER LATE TO CURRENT FOR EACH DATE FROM XXXX EACH MONTH TILL XX/XX/XXXX. 

XXXX ; XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX TRANSUNION ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TO CURRENT XXXX WAS NEVER LATE ON ALL DATES. REQUESTING AN UPDATE TO SHOW CURRENT FOR ALL MONTHS FROM XXXX TO XX/XX/XXXX. ALSO, THERE ARE XXXX LOANS WITH THE SAME ACCOUNT NUMBER WHICH IS FRAUD. I XXXX HAVE XXXX LOAN. I SENT PROOF ATTACHED TO THIS LETTER. PLEASE UPDATE MY CORRECT PAYMENT AMOUNTS WITH XXXX BALANCE This information is true to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

Over a period spanning months, I have been in repeat contact with Experian by phone. 
While Experian sends me advertising material via email, including commentary about lines of credit opened, closed, products for sale, and availability of my credit report they will not allow me to login to their landing page to manage my credit in any fashion. This includes consumer protected rights to dispute transactions, freeze and unfreeze my credit, and access free annual credit reports. 

Phone support is able to repeatedly validate my identity through trial questions, send password reset emails ( which allow me to reset the password ), but a continued system issue occurs. Every time I put in the reset, correct, credentials I am met with a non-descript error message telling me I can not proceed and must contact consumer support. This cycle has been repeated in full no less than 3 times. 

XXXX XX/XX/year> phone support opened an escalation ticket. This was to be an escalated technical support ticket. 

On XX/XX/year> I received an email from Experian Support representative " XXXX XXXX '' regarding this ticket. " XXXX XXXX XXXX asked that I login, which I am unable to do and which is the root cause of all issues, and send screenshots of error messages. I responded on XX/XX/year> again relaying I could not login, and screenshots of all problems relating to my step by step process of trying to login, XXXX screenshots in total. No response was received. 

On XX/XX/year> I responded to the email requesting status. No response was received. 

On XX/XX/year> I responded to the email requesting status noting I planned to reach out to the CFPB. 

I followed this up with phone call to Experian and was told by phone support that escalation ticket was closed due to " no response '' by representative " XXXX XXXX '' despite me responding the same and provided XXXX requested screenshots. 

Phone support " reopened '' the same ticket because they saw that I had responded as requested and " XXXX XXXX '' must have " missed it ''. 

On XX/XX/year> I received an email response from " XXXX XXXX '' offering no explanation for previous action, or lack thereof, and was told she canceled my account. I was told to wait 24-48 hours and try to register again. I have done this, and I still can not register an account, nor can I access any related functions- pulling free annual credit reports, managing freezes, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>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 To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 
15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX Attachments : Photo identification document Proof of current address
Product: Credit reporting or other personal consumer reports

Company : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, I5 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that WF PLL have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested WF PLL and XXXX and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting or other personal consumer reports

reporting late payments violating 15usc 1637b 15usc 6802 15usc 1666b mis characterized my promissory note
Product: Debt collection

ENHANCED RECOVERY CO L # XXXX I'm unaware of this account debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. If notification was provided, please provide with CERTIFED MAIL RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, XXXX, TransUnion XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, XXXX, and TransUnion on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, XXXX, and TransUnion have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

1. XXXX XXXX XXXX {$1700.00} 2. XXXX XXXX XXXX {$2100.00} 3. XXXX XXXX XXXX {$1200.00} 4. XXXX XXXX XXXX {$820.00} Inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries Creditor Date of inquiry XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

This is a complaint against Truist bank. I have a checking account with them and few weeks ago when i logged into my account i noticed some unauthorized transactions. I called Truist and i reported to them immediately. After the investigation they concluded with a full credit back to my account and i thought that they saved the day. Only to find out that now they have locked my account and i can not use it in any way. I do understand that this is for the security of my account and for anything similar not to happen again but they dont allow me to open new account or close this account unless i go to a branch. I would easily resolve this if i was in XXXX  right now. Im XXXX and i dont intend to take a 12 hour flight and bear the expenses just because they can not do this over the phone and email. They have no right to lock my funds indefinitely and ask me to go to the States to open new account there. I want only what belongs to me, my funds back and no further business with truist
Product: Checking or savings account

My card was taken and used to book a hotel room and I was charge for it and now my account is in the negatives I told cash app they sent me a new card but didnt reimburse me for the fraud that was committed
Product: Debt collection

This company has put inaccurate information on my credit file to receive money over XXXX debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/ I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2024 North American Recovery Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear North American Recovery, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by North American Recovery. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they may have on my creditworthiness.

I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt. 

2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation. 

3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.

4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting. 

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights. 

I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me. 

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

There is wrong personal information on my report with Experian. Someone else 's name, social security number and addresses. I have tr I'd to get these removed several times. I sent proof of my name, address, and social security number. But they keep using a closed account to verify the information and I'm not even sure that account is not fraudulent .... 
There were 2 data breaches at 2 different hospitals I have worked at and I also found out a tax company had combined mine as well as anot her XXXX information. The other person had the same name but ss number, address and date of birth was different. I recently had a call from a recruiter and they had my name, my phone number but had another person 's address being in a state I have never lived as well as the wrong social security number. 
Per the law by me giving the proof with photo ID of who I am this wrong information should have been removed. They are refusing to remove the incorrect information which is causing me to have issues financially, job wise and this needs corrected. 
Please help.