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

Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

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

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 an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.
Product: Checking or savings account

i cant add my Citizen Card To XXXX XXXX it keep giving me and error message when i try to link my card to XXXX XXXX  i been having this problem for a long time i spoke with apple regarding to this issue with the wallet and XXXX told me to contact Citizen Bank Regarding this issue and i contacted citizen fraund and they told me unfortunately this card cant be XXXX added to XXXX XXXX that i may need to open a brand new account and close my old account to fix this problem
Product: Debt collection

I WAS RENTING APATMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN XXXX 2015.  NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN XXXX 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXXRENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to transunion to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. To date (XX/XX/2021 ), I have sent the same dispute to Experian on 3 different occasions with no relief in sight. It is significant that the same dispute was sent to XXXX and honored on the first attempt.
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 XXXXXXXX XXXX XXXXXXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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, company information Transunion. Please delete the following accounts. 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: Checking or savings account

On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts have been fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : 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 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 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
Product: Credit reporting or other personal consumer reports

There are at least XXXX fraud on my credit and a lot of charge offs that are still reflecting on my credit score and brings it down or never let it go up and I want it removed I have paid several creditors to help with this and and its still on my credit I would like them removed.
Product: Credit card

Hello, To my knowledge I only have 3 credit accounts. A card with XXXX  and 2 accounts with XXXX XXXX. I have been trying to build up my credit by always paying my cards on time. I have this account that was opened under my name that I have filed a dispute a few months back. This is a card I never opened and therefore dont intend on paying the pending balance. I dont know how my information got out there but its having a negative affect on my credit. My current report shows a XXXX drop regardless of the fact that I have been consistently reducing my balance on my other credit cards and paying them on time. Im doing everything in my control to build up my credit for it to be drastically decreased on a credit account I didnt open.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( e ) b The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I believe Wells Fargo had unaccounted for the fact that I was not part of the Homestead Exemption Scheme of which I am now. I believe Wells Fargo had fix my monthly mortgage repayments to reflect that fact that I have applied for this scheme just as the previous owners had done so. Once I was over a year and a half living in my home I got a message saying that there was a shortage in my escrow account and that I was due to pay just over {$3800.00}. 
I understand how the escrow system works and also understand the process of the automatic payments they make on my behalf to the relative county tax service. What I am unsure of is how a bank can set a fixed 30 year loan and not realize that they made a mistake and then pass it back on to the consumer. I know that mortgages even though they are fixed can fluctuate due to property tax increases and the such, but not over {$400.00} a month. 
I would like to know if the bank is the one liable to pay for this money considering they seem to be the ones who made the mistake and did not make me aware of this Homestead Exemption at any time. 
I have contacted my local tax assessors office and they have looked into my property and noted that I am due a refund, however this refund barely covers the total costs that Wells Fargo is saying I owe them
Product: Credit reporting or other personal consumer reports

I sent a complaint requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the account is inaccurate, incomplete and outdated : XXXX XXXX Balance : {$320000.00} I never missed my payment. I think you are reporting inaccurate information. 30 days late last XX/XX/year> is questionable. Please reinvestigate and repair this account. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct the disputed account from my report immediately as you failed to comply with the law.
Product: Student loan

I received a letter from a company called Coast Professional Inc, claiming to be a servicer for the U.S Department of Education. The letter stated that they intend to have my wage garnish because I had not call them to make a payment plan. I found that weird because I had made a {$200.00} payment 2 weeks before on https : //myeddebt.ed.gov which is where I have made all my payments for the past 3+ years. So I called them up trying to figure out the situation. I was not able to get them on the phone for 2 days. Every time i called i was on the line for over 10 minutes and no one picked up. On XX/XX/2019 at around XXXX XXXX someone finally picked up the phone after 5 minute waiting. Their representative made me aware that the call is being recorded, so i decided to record the call as well on my end and made her aware of it. Then she told me that i did not have permission to record the call. I asked her why was it ok for her company to record the call while I was not allowed. She put me on old to speak to her manager and came back to tell me that it was their company policy and hang up on me. I was not able to get someone on the phone after that. I attached the recorded call with this, the conversation starts at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home address and employment is wrong my home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit by a car as a pedestrian a month ago and have been unable to get any type of financial assistance ( e.g. loan, credit ) due to CRA not abiding by the law. 

I submitted my dispute to Experian on XX/XX/. Experian responded stating they were working on a response on XXXX. Experian did not finish investigation until XXXX CRA took 49 days to complete investigation. The law states that if a CRA doesnt complete its investigation within 30 days, CRA is legally required to delete the disputed items. CRA has not deleted the disputed items. CRA is not abiding by the law.

The law : 15 USC 1681i ( a ) ( 1 ) ( A ) : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. '' I demand that Experian comply with the law as it is written and immediately delete the following itemXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

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

I just looked up my credit report and saw many fraudulent accounts that I wasn't aware of.
Product: Student loan

To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX  services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX  I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. 

Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). 

This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. 

I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX
Product: Checking or savings account

XXXX $ failed transaction chase informed me that XXXX took the funds Back that illegally transferred to An unsecured CashApp Account that wasn't mines so I made them aware of the fraudulent transaction that happened I had money I had funds in my account beforehand after put me in the negative to me to contact chase I did everything they asked still didn't return my funds and I'm still in the negative anything I received is going towards a fake debt per United States Federal Law U.S.Codes and Regulations note multiple violations
Product: Mortgage

I mail in the amount that the company tells me for the Escrow {$620.00} to keep the payment the same yet the new payment shows that it is now {$1600.00}. They show that they are holding {$620.00} in unapplied money. This company has many problem and then wants to charge late fees even though it shows more than {$3100.00} in payment happened per last months statement. I have made the same payment each month and they then hold them till they want to.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Credit reporting or other personal consumer reports

It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed. 

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. a police report has been filed and Attached to substantiate the fraudulent nature of these items, as required by the aforementioned regulations. 

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
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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: Credit reporting or other personal consumer reports

This letter serves as my final demand for the immediate deletion of inaccurate and invalid negative items from my credit report. Despite previous disputes, these items remain inaccurately reported, causing significant harm to my credit profile. I insist that these items be corrected and removed immediately to prevent further damage.
Product: Credit reporting

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX