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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX - XXXX XX/XX/XXXXInquiry XX/XX/XXXX XX/XX/XXXXInquiry XX/XX/XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XX/XX/XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX A XXXX - IncorrectPersonal XXXXXX/XX/XXXX IncorrectPersonal XXXXXX/XX/XXXX- IncorrectPersonal
Product: Debt or credit management

I have a variety of inquiries primarily related to finance and automotive services from different institutions. Heres a breakdown : Finance/Personal Inquiries : - **Sallie Mae B** : 2 inquiries ( XXXX XXXX, XXXX XXXX, XXXX ) - XXXX : 4 inquiries ( XXXX. XXXX, XXXX, XXXX ; XXXX. XXXX ; XXXX XXXX, XXXX ) - XXXX : 3 inquiries ( XXXX. XXXX ; XXXX XXXX, XXXX ) - XXXX : 4 inquiries ( XXXX. XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX. XXXX, XXXX ) - XXXX XXXX : 3 inquiries ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX : 3 inquiries ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX : 1 inquiry ( XXXX XXXX, XXXX ) Automotive Inquiries : - XXXX XXXX : 2 inquiries ( XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX  XXXX : 1 inquiry ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX. XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) Banking Inquiries : - XXXX XXXX : 2 inquiries ( XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX : 3 inquiries ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$290.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir, The credit bureau had reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. 
I also want all non-account holding inquiries over 30 days old removed. 

Thank you.
Product: Debt collection

I am in XXXX, TX and they sent a XXXX XXXX lab {$37.00} bill which is located in XXXX, XXXX. I have never heard of this out of state company and they never sent any bill. If I do XXXX search for this company in XXXX. THe invoice billing company is CDI Affiliated Services Collection Department, XXXX XXXX XXXX, ID XXXX. The phone number is XXXX and XXXX. This bill needs to be cancelled and unnecessary threat of collection agency.
Product: Credit reporting or other personal consumer reports

My right to privacy is being infringed upon by CoreLogic. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, and XXXX after I have instructed them to cease in doing so via an opt-out notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4800.00}, {$2400.00}, {$1300.00}, {$4100.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 


-- OPEN ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation. Please remove it promptly. 

According to 605B, this account should be removed
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XX/XX/XXXX Transaction for {$61.00} to XXXX XXXX from XXXX Goldman Sachs card XX/XX/XXXX Partial order delivery XX/XX/XXXX Used " contact us '' form to ask about missing part of order on XXXX website as they didn't have a customer service email/representative available XX/XX/XXXX Received response from XXXX XXXX apologizing for incomplete order and that they'd ship it XX/XX/XXXX Emailed XXXX XXXX customer service as I hadn't received the rest of my order or new tracking number, and if it would be easier, I would take a partial refund at this point XX/XX/XXXX Opened dispute with Apple Goldman Sachs card XXXXXX/XX/XXXX Checked with Apple Goldman Sachs to make sure they had all the evidence they needed from my end ( screenshots, emails, order #, etc. ) XX/XX/XXXX Dispute ruled in favor of XXXX XXXX, " service provided in accordance with merchant 's terms and conditions '' XX/XX/XXXX Chatted with Apple Goldman Sachs, dispute reopened, evidence sent in again XX/XX/XXXX Dispute ruled in favor of XXXX XXXX, " service provided in accordance with merchant 's terms and conditions '' XX/XX/XXXX Chatted with Apple Goldman Sachs, dispute reopened ( again ), was told that they agree the dispute should have ruled that XXXX XXXX was in the wrong as I never received all of the product I ordered
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 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 name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Provide me with the Purchase Agreement
Product: Credit reporting or other personal consumer reports

I had filed a complaint against Equifax on XX/XX/2024 identification number XXXX tEquifax responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent. The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : " Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. If XXXX XXXX fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that XXXX XXXX may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation. 2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of XXXX XXXX XXXX failure to respond to your dispute in a timely manner. 3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish XXXX XXXX and deter similar conduct in the future. 4. Attorney 's Fees and Costs : If I have to take legal action against XXXX XXXX for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, 2021, my Equifax credit report was deleted by Equifax. I contacted Equifax and they admitted there was a technical issue and that my file would be rebuilt. When I later applied for a mortgage refinance XXXX, 2021, I was denied a mortgage refinance due to my Equifax credit report being blocked. I also could not view my credit report on Equifax.com. This issue has been unfixed and complaints, letters, and documents being certified delivered have not helped. When I check each day for my credit report, it shows as no account history and creditor denial letters show that there is a block preventing them from pulling my credit file to confirm offers of credit. I have since had over 63 credit denials all due to the issue that the creditors can not access my Equifax credit report due to a block initiated by Equifax. EQUIFAX asked me to submit verification of my address and I submitted eight documents including a property tax bill, utility bill, utility proof of residency, drivers license, Social Security card, internal revenue service statement, and mortgage statement. The US PS verified that EQUIFAX is in receipt of those documents which were sent via XXXX mail and EQUIFAX still currently denies receiving these documents which they claim are needed in order to investigate the issue. The issue has not been investigated now for seven months and I am losing money on interest rates and Im unable to buy a mortgage or vehicle due to not having access to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive taken the proactive approach into reviewing my XXXX, Transunion and XXXX Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, Transunion and XXXX credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Product: Mortgage

On XX/XX/XXXX I received a Payoff Quote from PHH Mortgage for the amount of {$410000.00} good through XX/XX/XXXX On XX/XX/XXXX I Closed on a refinance with a new lender. 

On XX/XX/XXXX The Settlement agent XXXX XXXX XXXX sent a XXXX Official check in the amount of {$410000.00} via XXXX to the address indicated on the PHH payoff quote. 

On XX/XX/XXXX The payment was received by PHH Mortgage, as indicated on the XXXX  proof of delivery. 

Its XX/XX/XXXX and PHH Mortgage has still not processed the payment and is incorrectly reporting this Mortgage account as open and not paid on time, in violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX {$220.00} XXXX  XXXX {$21000.00} XXXX   XXXX {$25000.00} DEPTEDXXXX   XXXX {$15000.00} DEPTEDXXXX XXXX {$1100.00} DEPTEDXXXX  XXXX {$5500.00} DEPTEDXXXX XXXX {$250.00} DEPTEDXXXX   XXXX {$3200.00} DEPTEDXXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$1000.00} DEPTEDXXXX  XXXX {$3500.00}
Product: Mortgage

I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
Product: Debt collection

I was sued  and they won by default, was Never properly informed of the Default until I received a COURT ORDERED LETTER, I then wrote the Judge at the XXXX Court house, letting the Judge know I wasn't issued a 2nd nor 3rd notice to work out a suitable chance, because I'm going through a Hardship at this time in my LIFE, I have a ILL spouse I'm the SOLE PROVIDER IT'S IMPOSSIBLE too cut 1 pie in 12 slices, I'm being sued & Harassed by some many Debt collection agencies, I have already be Unlawfully defaulted suized Bank account once by XXXX XXXX so I guess the others learned that and trying to to the same thing to me and I have stated that my Wife has been Sick and unable to work for past 5 yrs. I've Not been treated WELL by most of these overbearing Companies, when we were able and more financially stable WE paid every card we both had among us BOTH, now we just don't have anything left after paying our main bills like Mortgage, Car note, water, light, gas, Grocery, medical, car insurance, that XXXX  Garnishment, and Lunch and Gas to BARELY make to to work til bi-weekly wages. I'm 1 more check away from becoming Homeless. Please help me Stop them from XXXX me and causing a XXXX XXXX. My poor Sick wife really suffering from so many issues, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, you name it she's taking medication for it. and this is Stressing her out more and making her WORST. also I noticed a collection agency is unlawfully making a CLAIM for a debt that has been Discharged by origenal Creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

They have refused my service and they really have no grounds to do so. The little info I was given is very weak.
Product: Debt collection

I previously complained to the CFPB about Kia Finance of America on XX/XX/2023 about the harassing phone calls I was receiving regarding a {$140.00} debt on my lease account. I explained to them the situation several times but still received harassing phone calls daily. On XX/XX/2023 Kia Finance responded to my complaint stating that they would waive the amount of the sales use tax assessed and the two late fees attached to this sales use tax. I am now receiving more calls because they have not credited my account which they said they would apply. I started receiving these calls on XX/XX/2023 where I was called approximately 3 times during the day at XXXX XXXX, XXXX XXXX, and then again at XXXX which I picked up because I was now off work. I spoke to the representative and explained that there should have been a credit for my account and she stated that she did see that on my file and told me to have a great day. I then received another XXXX calls on XX/XX/2023 in regards to the debt starting at XXXX XXXX, again at XXXX, and then again at XXXX which I picked up on my lunch. I spoke to the representative explained the situation and asked them to stop contacting me in regards to this debt because it should be taken care of according to my previous complaint. I then received another XXXX calls today XX/XX/2023 starting at XXXX XXXX and then another at XXXX XXXX. I am at the point where I want to take this legally because it is hindering my job performance with the constant calls and distractions.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, Experian, and XXXX. 
XXXX included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX