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

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

The XXXX  Equifax data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. 

In response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge Equifax to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. 

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

I am requesting for the following inaccurate information to be deleted from my consumer file. You stated you verified the information from XXXX. I pulled up the documents from XXXX to make sure all information you were reporting was correct. It appears you did not get your information from XXXX. I have also included information from XXXX that proves the information is inaccurate. I found the following items below to be in error and I am requesting that it is deleted from my consumer file : XXXX XXXX you have listed is XXXX but it was not filed in XXXX XXXX. XXXX XXXX on the XXXX report is XXXX. 
The court name you have listed is Texas XXXX but XXXX is not the name of the court the bankruptcy was filed in. The court name on XXXX  is UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF TEXAS. 

According to 15 U.S.C 1681 states consumers have a right to accuracy and fairness of credit reporting. I have found inaccuracies in my Lexis Nexis consumer file. I have reported this several times but nothing has changed. 

I have already requested a reinvestigation but now I am just requesting for the information to be deleted from my consumer file. I have included all information needed to verify my identity and to verify the actual reports from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. Equifax I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove my fraud alert from my credit report and update my cell phone number with your company I have already send letters but I didn't have any response I know that you need to verify my identity so I have attached a copy of my current driver 's license and a copy of my Social Security card as proof of my identity, also in the attached documents there is a picture with my current phone number Please remove the fraud alert and update my phone number with your company
Product: Debt collection

XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to address a matter concerning the alleged debt that XXXX XXXX  XXXX XXXX claims I owe {$6800.00}. It has come to my attention that your firm is pursuing legal action against me regarding this debt. 

I would like to formally state that I have not received a debt validation letter from your office. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written verification of any debt within five days of your initial communication with me. The absence of this validation letter constitutes a violation of the FDCPA and raises serious concerns about the legitimacy of your claims. 

I request that XXXX XXXX  XXXX XXXX provide proper documentation validating the debt in question. Until I receive this information, I will consider this matter unresolved and urge you to cease any legal actions against me. 

I believe in the importance of fair and transparent communication, and I hope we can resolve this situation amicably. Please respond to this letter at your earliest convenience, providing the necessary validation for the alleged debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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 this account 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 listed account needs to investigate and correct for erroneous reporting in my file and the listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX And XXXX, which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. 

Details of the disputed account are as follows : Account Name : XXXX XXXX Original Lender : XXXX XXXX And XXXX XXXX Name : XXXX Date Assigned : XX/XX/2023 Original Balance : {$1000.00} Current Balance : {$1000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. 

Please provide the following information : A copy of the original signed agreement or contract. 
A detailed account statement showing all charges, payments, and adjustments. 
Proof of the assignment or sale of this debt, if applicable. 
Any other relevant documentation that can validate this debt. 
If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. 

I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. 

Thank you for your cooperation. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Assoc # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

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

I havent recieved a statement. 
I havent recieved a debit/ credit card. I am a victim Of International crime. I need access to my account ive had to reset my password
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my fcra rule 15 USC 1681 c-2 rights by refusing to block reported identity theft information from my credit report Equifax is requesting that I provide them with proof of my identity and verifiable address. On XX/XX/XXXX Equifax mail me two letters to my home address of XXXX XXXX XXXX XXXX XXXX XXXX home address stating they need proof of my identity and that my address did not match the information on their credit file I am disputing this information I will provide a copy of my credit report from Equifax dated XX/XX/XXXX that shows my current correct home address of XXXX XXXX XXXX XXXX XXXX XXXX on Equifax credit file I will also provide cfbp case number XXXX from an Equifax dispute stating that Equifax request that I provide them with legal documentation that provides or show identity theft documentation in order for them to remove inaccurate information public record. I am also disputing other fraudulent identity theft information for my credit report which is XXXX XXXX XXXX account number XXXX the amount {$430.00} and the bankruptcy dated XX/XX/XXXX reference number XXXX should be removed I am providing in this complaint a copy of my court order judgment of vacating the fraudulent bankruptcy my FTC identity theft report my police report a copy of my driver 's license and social Security card Equifax has intentionally ignored supporting documentation and my FCRA Rights and Guidelines in effectively follow FCRA Guidelines and Non Compliant in handling my consumer credit report. I am taking the necessary action in pursuing a lawsuit against Equifax.
Product: Debt collection

Midland LLC/ Encore has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm XXXXXXXX XXXX XXXXXXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Freeze was placed on my business account without any reason or notification from Capital One Bank. They claim that last check that I deposited, which is the same Payee name for a past 3,5 years, is under investigation. No explanations why, just hold placed without any notice, which causing me a lot of problems and extra fees from returned transactions. Bank representative stated that I will be contacted once investigator will open case, when she is not sure. I asked who will be paying late fees and returned transaction and did not received reasonable answer from Capital One Representative. This is not the first time that this bank does this to me. Please help me.
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # XXXX ; s main goals are to balance the government & # XXXX ; s need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # XXXX ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Credit Report Dispute for Account XXXX XXXX XXXXXXXX Dear XXXX and Experian I am writing to formally dispute an inaccuracy on my credit report, which I obtained from your agency. The information listed under [ Creditor Name, e.g., XXXX XXXXXXXX ] and reported on [ Credit Bureau Name, e.g., Experian/TransUnion ] contains incorrect data. 

The account in question, listed under account number XXXX currently reflects a status of XXXX XXXX or XXXX XXXX. However, this account has been resolved as per the grantors comments on the credit report itself. It explicitly states : Charged off as bad debt. Dispute resolved ; reported by grantor. 

This contradictory information is negatively affecting my credit score and does not accurately reflect the current status of the account. Please investigate this matter and update the information to reflect that the account is resolved. 

I have included the following documents to assist with the investigation : XXXX. A copy of my credit report highlighting I request that this error be corrected and that a confirmation letter be sent to me once the updates have been made. 

Thank you for your prompt attention to this matter. If you require further information, you can reach me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : XXXX XXXX XXXX  XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX Information : Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Employers : XXXXXXXX XXXX XXXX XXXX Previous Address ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
__________________________________________________________________
Product: Debt collection

Owed money to capital one credit card ( {$15000.00} ) and quest full amount XXXX and no response.
Product: Credit reporting or other personal consumer reports

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Product: Mortgage

I asked my mortgage company to help me! My daughter was in a terrible accident she's in a XXXX. So I asked for a Modification, Terms of modification : 1. Lower your interest rate. 2. Reduce your mortgage balance 3.Lower your monthly payment amount. 4. Adjust your loan period. 5.Changing your loan type. 6. Qualify for harp assistants. which I don't. 
So they Doubled my payments and foreclosed on me. 
I am still on title and have the rears to pay, would like to be reinstated. 
Loan # XXXX Ocwen/PHH The trustee won't talk to me. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Please help with implementing the Moratorium on Foreclosures & Evections. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im am filling this complaint because inaccurate information and items on my credit report and its keeping my credit in the negative and this issue keep on remaining unresolved after numerous attempts of me trying to get this removed from my credit report I would like all false information to be removed from my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Misleading and Inaccurate information that are reporting on my credit report
Product: Money transfer, virtual currency, or money service

I tried to use my CASH App account and they said that my account was closed because I broke the rules of the company. I only had received money transfers and sent a few that's all. So I contacted them and asked what rule did I break. The only thing that they keep saying is that I broke the rules. They won't tell me what rule what rule.
Product: Debt collection

Dear CFPB, I am reaching out in desperate measures to bring to light the way my file is being handled. I have an account listed on my credit report that was NOT me. I have been writing the credit bureaus and the company for the last 4 months or so with no avail. I have explained the problem and also included all necessary documentation such as FTC affidavit and the police report. This is extremely time-consuming and becoming costly with letters and running to the police station. I am writing this complaint to effect immediate change. 

The following accounts are opened fraudulently. I never give consent or authorize these accounts. I only discovered these accounts upon speaking to the mortgage officer. I never receive any collection notices about these accounts. 

XXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$620.00} Here are the accounts I have been writing about. I did not open these accounts and I did NOT receive any money or services. I did not sign these applications and I am unfortunately suffering for these accounts being on my credit. I requested both the creditors and the credit bureaus to stop reporting this account. The account is still reporting. My request was pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. The fraudulent information is still on my credit report and I bring this to your attention. Please review why the companies are neglecting to remove this information as it is extremely damaging.