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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$41.00} XXXX FIN XXXX Balance : {$3800.00}
Product: Credit card

I obtained a care credit account for XXXX, immediately after I was incorrectly charged by another physician, I contacted them to let me know, at the time they told me I was responsible for this charge and would have to settle it myself and make payments before I defaulted. I made payments and got the charge cleared off on my own. I was never credited for this and charged interest and late fees. Fine whatever I paid, I then used it for its intended purpose and got XXXX I needed badly. Well the XXXX office had a hard time charging them because I never actually received a physical card. 
So I am paying and I receive a notification that my account was sold to XXXX. I call them to try to fix this mess and they send me to a XXXX credit collection agency XXXX XXXX. I call XXXX multiple times during the days and left messages to try to resolve this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX  XXXX : {$390.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuion XXXX XXXX XXXX XXXX XXXX, IL XXXX United States, XXXX, IL XXXX Re : file number XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Transunion continues to block me from the ability to dispute accounts that are being reported on my credit report by abusive collection agencies with malicious intent who are in violation of the FDCPA. " Legitimate '' proof of debt not provided by any of the aforementioned collection agencies. Transunion may be protecting these collection agencies with no merit. Below are a list of a few collection accounts in which are abusively reporting and ignoring requests from this author. In addition, they have failed to acknowledge the documentation that I have sent them. 



( 1 ) National Credit systems Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account ( 2 ) Rent debt Automatic collection Address XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2900.00} Original Creditor XXXX XXXX XXXX 3- 2 collection accounts from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For XXXX XXXX XXXX XXXX my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Product: Credit reporting or other personal consumer reports

IN REVIEW OF MY CREDIT REPORT I FOUND THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORTS, I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT OR SHARE MY INFORMATION THIS IS FRAUDULENT AND FALSE INFORMATION ON MY RECORD WHICH IS HARMING MY CREDIT DATA SHARED WITH BUREUS. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called me and threatened they were a police officer and they would take me to jail if I didnt pay and come to my work to XXXX  me..this was Portfolio Recovery doing this
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX I had {$2000.00} stolen from my Bank of America card that I receive my unemployment benefits on. I have filed a police report and I have repeatedly called the bank at least once a week every week since then. Every time I call, they say my claim is still under review for investigation. I called again on XX/XX/XXXX to check on the status of the investigation only to learn that my card was closed and my claim was not under review. When I called before, I was told that my claim was being looked at and investigated. Every time I call, I am told different information. I only receive vague answers and nobody seems eager to help me at all. If there is anything you could do to help me get my stolen money back it would be incredibly appreciated. I do not have enough money for rent and I currently have no money to buy food. I believe there is a zero liability policy for those who become victims of fraud. It is the middle of a pandemic and I am unemployed. I desperately need this stolen money back.
Product: Money transfer, virtual currency, or money service

I closed an account with Wells Fargo over the phone on XX/XX/XXXX, Wells Fargo said they will mail me a cashier check and it would take up to XXXX business days. After a week of not receiving it I called them and they said I should wait until after the XXXX business days, On XXXX became concerned that the check was lost and I went to the XXXX XXXX branch to ask . I met with XXXX XXXX. She researched and found out that the check hadnt been negotiated yet, I said they need to put a stop payment on it because we didnt receive it. She gave us paperwork for a surety bond and said we can either pay for a bond and get a replacement check or wait 90 days. I chose to wait 90 days and on XX/XX/XXXX, I went back to the bank and she told me the check was negotiated on XX/XX/XXXX and therefore they couldnt give me another check. She helped me file a claim and while waiting for them to research I filed a police report. 
In the meantime I have received some emails from WF saying that they are closing my case. I have to keep going back to the branch and I refused to close the case, Banker opened another case for me and on XX/XX/XXXX I called the number on the latest letter from WF and after getting transferred 3 times and no one could open the case to look I finally got a phone number to the XXXX office and I talked to XXXX, my case XXXX and she told me they are still researching the case and I said they already know which branch the check was cashed and it was cashed without verification of the identity or approval from any senior banker. But she said they will get back to me in XXXX business days. 
Its clearly the tellers mistake for cashing the check to someone else other than the payee.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit bureaus that the account XXXX XXXX XXXX for XXXX was not accurate and disputed this with the credit bureaus XXXX removed this inaccurate account from my credit because it could not be verified but XXXX and experian did not remove. How was XXXX not able to verify account accuracy but XXXX and experian could This is in violation of the fair credit report act.
Product: Mortgage

Contacted our lender over three months ago to try and resolve issue of delinquent real estate taxes that should have been disbursed from our escrow. Have called numerous times for updates and still have had absolutely no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy XXXX XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm writing to let you know about some hard inquiries on my credit report that I didn't make. I didn't authorize these inquiries. and dont recognize them. Please remove them from my credit report. 

I've included a copy of them on my credit report
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for the defamation of character. ) XXXXXXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$4800.00}, XXXX XXXX XXXX  balance {$1900.00}, XXXX XXXX balance {$440.00}, XXXX XXXX XXXXXXXX balance {$4900.00}, XXXX  XXXX XXXX  balance {$1400.00}, XXXX XXXX XXXX  balance {$0.00}
Product: Debt collection

Complaint Against Nationwide Capital Services LLC also know as Structured Settlement acct : XXXX, opened : XX/XX/year>, highest balance {$590.00} Regarding Fair Debt Collection Practices Act Violation Dear CFPB, I am writing to file a complaint against [ Nationwide Capital Services ] and [ XXXX XXXX XXXXXXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ). 
These debt collectors placed a collection items on my credit report without providing me with the required validation information under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they did not give me a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
These actions constitute deceptive means of debt collection as they furnished information to credit reporting agencies without proper disclosure, in violation of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-5 2 ( 7 ) ( a ).

I request that the CFPB investigate this matter and take appropriate action against the debt collector. Due to investigation I am also requesting debt validation information from the collection agency, including : * An explanation of the alleged account balance * A complete breakdown of the account balance, including a payment history * Documentation of my agreement to pay the debt ( including signature ) * Documentation of my permission to report the debt on my credit report * A copy of the purchase agreement that grants them the right to collect * A copy of their state license number authorizing them to collect in your state * Chain of custody documentation for the debt I have not provided any consent to the collection agency, and using my social security number without my permission may be considered identity theft. I will report them to the appropriate authorities if they fail to provide the requested information. 
Thank you for your time and attention to this matter. 
Sincerely,
Product: Checking or savings account

XX/XX/2018 : XXXX received a NSF Email Alert on his USAA Classic Checking account re {$1100.00} from his USAA VISA Credit Card has successfully been transferred into his USAA Checking account to cover XXXX XXXX Home Mortgage Ebill Payments or Debits on XX/XX/2018 in the amounts of {$5.00} and {$1200.00}. 

XX/XX/2018 : XXXX calls XXXX XXXX at XXXX, after a about a 30 min conversation is told that it appears someone has accidentally paid their Ebill Mortgage by entering a wrong account number off by one digit from XXXX account. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank & is told  to file an electronic dispute to correct the situation. 

XX/XX/2018 : XXXX goes online & clicks on the XXXX XXXX  " dispute '' button and clicks on " button '' to deny recurring debits.. signs using the eSigns button. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank and receives confirmation that are aware of the dispute. 

XX/XX/2018 : XXXX downloads " USAA Written Statement of Unauthorized Debt '' PDF form. 

XX/XX/2018 : XXXX completes. signs and mails the " USAA Written Statement of Unauthorized Debt '' back to the USAA Fed Saving Bank. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank and is told again that they are aware of the situation and that he will receive either a letter or email within 10 day discussing status with the final dispute settlement within 45 days. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank to get an update... operator goes off line for about 30 mins, returns to say that my " dispute '' appears to be " fraud '' and my account is compromised, she forwards me to a fellow USAA associate who sets up my new USAA checking account... based on her 2nd recommendation, I immediately electronically transfer the approx {$2300.00} from the old to the new account. 

XX/XX/2018 : XXXX receives a " No Fraudulent Activity Found After Review of Your Claim '', Claim Reference : XXXX, electronic text Notice from USAA Fed Saving Bank based on your XX/XX/2018 inquiry... Notice further indicates " Our decision is based on multiple USAA system security records, No further action will be taken. 

XX/XX/2018 : Summary : I find this particularly unfair as someone has ripped me off for {$1200.00}... the denial of my claim also impunes my personal integrity suggesting I was in someway negligent or permitted this transaction to occur... respectfully request CFPBs assistance in tracking down all the details, electronic foot prints, etc to find the person/s ( who ) and method ( how ) this XX/XX/2018 unauthorized transaction occurred... this claim denial comes at a particularly stressful time in our life as on XX/XX/2018, our Main House, sons Gate House, and tenants Guest House were totally destroyed along with 3 detached garages and 1 workshop. We also lost our XXXX XXXX business to the fast moving West Fire that originated 800 feet from the east side of our ranch/estate, XXXX XXXX XXXX, XXXX, CA XXXX... Standing by to provide additional information, answer questions and documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am a victim of ID Theft, I reported it to BMO on XX/XX/15. They told me no accounts were opened but come to find out a savings and checking account were opened. They blocked and closed the savings but left the checking open until I called today. They violated UDAAP, FACTA and FCRA regs by being dishonest. Now I need to have inquiries removed from my credit and XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my XXXX and XXXX credit report and I noticed some late payments on there. 

Original Creditor : XXXX Account Number : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give your company written permission to furnish these late payments on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681.

Im giving your company 15 days to delete these late payments from my credit report.

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX XXXX
Product: Debt collection

It have come to my attention theres a third party collection agency who has created/ furnished an account for me using my identifying information without my consent which is identity theft and unauthorized use. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
Product: Debt collection

Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint. 
I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided. 
These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's. 

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my Equifax credit report and I was told that I am not able to access it on line without a valid explanation. 

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error. 

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.