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

I received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of.

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. 

Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct XXXX XXXX XXXX Acct Name : XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX Acct Name : XXXX XXXX Acct # : XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

These inaccuracies are stopping me from being able to get a new home for my family.
Product: Debt collection

XXXX  on XXXX violated myself and the tenants civil rights thus forcing a FHA/HUD filing XXXX XXXX  on XXXX and XXXX XXXX, president/CEO agreed to remove any and all charges in the settlement signing such on XX/XX/year>. To date, they did not adhere to the settlement agreement, thus signing in bad faith and causing the FHA/HUD to file with the appropriate parties to seek sanctions against them. As a result of the warnings provided to XXXX on XXXX and XXXX XXXX, ProCollect provided a letter stating the balance owed to them was now {$0.00}, but have not removed their collection attempt from my or the tenants credit reports as required, thus causing additional and further damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. DP OF EDUC is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX  which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.
Product: Credit reporting or other personal consumer reports

Inaccurate late payments are shown on my credit report. Please address and update my account.
Product: Credit reporting or other personal consumer reports

I sent three letters requesting a validation of debt for accounts that did not belong to me, and for the removal of incorrect information from my credit report. They sent an immediate response saying it was valid with XXXX information to back this claim. I sent another letter more specifically requesting hard copies of any documentation, nothing was sent but the accounts were " verified '' not validated. Finally after a third attempt the account was deleted, however the incorrect information is still listed and negatively impacting my credit, causing higher interest rates and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed a fraudulent account on my credit report and I have submitted a complaint with the federal trade commission. I have already reached out to let you know about this account but nothing has been done. The account is affecting my score. I am currently trying to purchase a property with my family. Please remove this account from my report in accordance with section 605 of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not disputing the accuracy with these companies but thet did not follow proper protocol. 

These listed Accounts are under violation : XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX @ 15 USC 1681 ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

I DID NOT GIVE PERMISSION for this to be reported and this is also under Violation of 15 USC 1681c ( A ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agencymay make anyconsumer reportcontaining any of the following items of information : ( 5 ) ANY other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

This means ANY POTENTIALLY NEGATIVE ITEMS UNLESS I COMITTED A CRIME IN WHICH I DID NOT.

I WANT THIS ACCOUNT " REMOVED '' from my credit report
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18
U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF ED/XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired on XX/XX/2023 FXXXX XXXX Inquired on XX/XX/2023 2023
Product: Checking or savings account

I received an email asking if I wanted to earn passive income by allowing my car to be wrapped in an advertisement. I filled out the form and submitted it. A week later I received a letter in the mail stating I was selected, with a check ( Ck amt {$4900.00} ), and instructions on what I need to do to have my car wrapped. The money was supposed to cover the wrap and my first week payment upfront. I followed the directions and deposited the check into my personal checking account and waited for the funds to be available. The funds were made fully available the next business day and I went to the bank and withdrew the funds. I the took the money and went to XXXX where I created XXXX money orders totally {$4000.00}. I was then instructed to over night the money orders to name : XXXX XXXX address : XXXX XXXX XXXX XXXX NY XXXX. I completed all steps and thought I would be receiving a call to set up my appointment to go have my car wrapped. The next day I received an email from my bank stating I was withdrawn ~ {$1800.00} in the bank. I contacted the bank and they stated I deposited a fraudulent check and that I was responsible for the full amount of the check. I attempted to stop the money orders with no luck as the package had already been delivered. I called my bank Wells Fargo and submitted a claim. Wells Fargo stated that my claim was denied because they fronted me the money in good faith. I stated I deposited the check in good faith and if the check was bad I would have preferred they hold the money until the check cleared. I have all the documentation with me. I have filed a compliant with my local law office, the federal trade commission, and with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries and inaccurate addresses listed below : 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
Product: Debt collection

I have found no recourse with ERC and their deceptive collection practices. 

I had no idea about this alleged debt, {$930.00}, until I obtained a copy of my credit reports. Which means, I was never given the chance to dispute it within the 30 days of notice. 

I have requested validation at least 3 times 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX ... ... ... .and have every request saved. ( see attached supporting XXXX ) They send me copies of an old bill, addressed to a person with a similar name. ( see attached supporting XXXX ) If they continue to ignore my request for validation, I have no choice but to bring about legal action against both this egregious company and the Reporting Agencies -- who fail to provide the method of validation with this ERC 's claim that the debt is, indeed, collectible and reportable. 

For one, these ERC agents aren't using my correct name to collect this debt. Second, the packets they keep sending me, for whomever this debt belongs, have a time-barred status. 

I've contacted the original creditor as indicated on my credit reports in an attempt to resolve this matter. They have no record. I have not accepted any more mail from ERC because they are not mailing it addressed to the correct person. 

Until ERC provides documentation as outlined in the FDCPA that proves this as a valid debt, and belongs to ME, then at that moment, as the alleged owner of this time-barred, alleged debt, I'll execute my duties as a responsible consumer and request that they stop reporting on my credit account. Until then, I will contact every entity that holds records in reference to ERC 's business practices.

*** UNDER ANY CIRCUMSTANCES I REQUEST THE CFPB NOT REMOVE THIS COMPLAINT. REGARDLESS OF ANY OUTCOME***
Product: Credit reporting or other personal consumer reports

Dear CFPB, EXPERIAN, XXXX, XXXXXXXX XXXX XXXX XXXX I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account. 
I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report. 
In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

No permission was given for these inquiries they have to be removed promptly. XXXX XXXX XXXX XXXX XXXX, Its wrong and needs to be removed because no permission was given. I need action taken to delete the reported issue. XXXX XXXX XXXX inquiry : Delete asap as no correct permission was granted. Investigate, purge the inquiry in questioned. I understand that I have the right, as a consumer, to dispute the accuracy of the information in my credit report, as provided by the Fair Credit Reporting Act. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit card or prepaid card

I applied for a GAP credit card and made a {$14.00} purchase on the credit card application. I did not receive the actual card. The bill came from Barclays bank for {$14.00}. I attempted to pay the bill over the phone, but was told that without the entire 16-digit number, payment could not be accepted. The Barclays representative absolutely would not accept payment. The next bill came ( once again, no credit card to refer to ) and a late fee of {$16.00} had been added to the balance. Once again I attempted to resolve the issue by phone, and once again they refused to discuss it or to accept payment. This is an unacceptable situation; refusing to resolve/accept payment while simultaneously tacking on fees.
Product: Credit card

ULTA Bank, or Comenity bank charged me an excessive late fee. However, that is not the point. ULTA failed to adequately inform me of my account, which I got no communication from. I accrued the XXXX dollar late fee even after paying off the account whole in XXXX of XXXX, and they failed to inform me of my new debts even after I moved and also updated my address with USPS. 

In fact, my credit report states that the account was supposedly closed by consumer on XX/XX/. Despite this, they kept charging late fees. 

The account was recently bought by XXXX XXXX, a debt collector, which is the only way I found out I had this debt.
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection/ credit card account was opened fraudulent. XXXX XXXX XXXX  sent me a letter stating they were willing to removed that debt collection from my report I have to dispute this account every 4 to 6 months cause it keeps coming back from XXXX XXXX XXXX  when I already showed them proof of this account was no mine
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXX  ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX of 2016 my husband and I took out a bridge loan with the XXXX XXXX in XXXX, NM. This allowed us to put up our XXXX XXXX XXXX XXXX valued at {$550000.00} as collateral on a bridge loan of XXXX. We wanted to purchase a small home in a retirement community, which we did. We were told we would pay just the interest each month until the XXXX XXXX XXXX sold. This loan would be renewed each 6 months if the XXXX XXXX XXXX had not sold. Sadly my husband passed away at the same time the loan came up for renewal. Rather then renewing the loan, the legal department demanded a probate on the title, which even the probate judge said was unnecessary, also a new title search etc and all new closing fees. I also kept paying the interest each month even though during the whole 6 months I never received a single statement. The whole process seemed totally uncoordinated. They said they could not let me know in advance how much the amount of the payment would be because there were different numbers of days in each month. ( ridiculous excuse ). They have renewed the loan, finally which took two months due to all the legal hassel they put me through and now my credit report with Equifax shows a 100 plus drop from excellent to fair because they apparently repiorted failure to pay off on the loan which is totally untrue. I continued interest payments even when the loan had not been re confirmed.All during the time they were processing things I was getting threatening letters regarding paying off the loan balance. Each time I got a letter I called XXXX XXXX the loan officer and she would tell me to disreguard the letters, that they automatically went out. ( Really? ) Well now they have XXXX XXXX my credi which has always been " excellent '' and I still ca n't get them to send me statements or a coupon book or an email, whatever, to advise me of the interest and date for each payment. Please help me get my credit score back and get statements of some sort.My largest payment in a month is {$800.00} And it varies from that point.
Product: Debt collection

TO WHOM I T MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please de lete the items as soon as possible.