23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Situation : As I was checking the credit report assigned to me by the XXXX XXXX XXXX and taking steps to see what I can do to build it, I noticed an account that was not mine. The name of the creditor who says I am in debt to them is XXXX. As spelled on my Equifax report. According to the Fair Credit Reporting Act, 15 U.S. Code. 1681 Section 609 ( a ) ( 1 ) ( A ), Equifax is required, through the physical verification of the original signed consumer contract, all accounts a creditor posts on a consumer 's credit report. Equifax failed to do that. Equifax is in violation also of Uniform Commercial Code 15 U.S. Code 1681b which states, " 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, as I did not give them permission to furnish a credit report concerning this account. As mentioned above this account was not furnished by me to begin with. This fraudulent account has caused me time, money, and emotional strain in getting it removed as I have tried methods before reaching out to the CFPB for help and coming across Uniform Commercial Codes that protects me as the consumer. I paid for XXXX XXXX credit cleaning services to dispute the account. Once I received correspondence back from XXXX they said they did their due diligence in proving I established this account with my credit. As stated in the law, XXXX was supposed to provide me with the physical original consumer contract, with my signature, and forensic accounting to validate the debt. They failed to do that. I called XXXX once I was educated through the law about credit reporting practices established by the government. Upon calling one of the representatives was unable to even locate the account that the company sent to Equifax to furnish on my XXXX XXXX  Credit Report. I asked why and she was unable to tell me. I asked for it to be removed and the rep was very rude to me. I am now here seeking justice for being wrongfully treated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent hard inquiry appear on my TransUnion and XXXX credit reports on XX/XX/XXXX. The source of the inquiry was XXXX XXXX XXXX. 

I called on XXXX, XXXX XXXX XXXX, and TransUnion on XX/XX/XXXX. 

TransUnion required me to mail documents. I was told what documents to send. Those are attached to this complaint. I mailed these in a white envelope, hand addressed, on XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX sent something out stating that the inquiry was fraudulent and I uploaded documents to XXXX. The inquiry was removed from my XXXX credit report by XX/XX/XXXX. 

I followed up with a couple calls, probably a week apart, to TransUnion. 

One representative told me that they couldn't use my documents because I did not have a report number on this. ( I was later told by a TU supervisor that this was not true since I sent a copy of my drivers license ). 

Another representative told me I had to have a letter from XXXX XXXX XXXX. I called XXXX XXXX XXXX back and they told me they had no such process, but would send another alert to the credit bureaus that the inquiry was fraudulent. 

I received a letter from TransUnion saying something about a 3rd party working on my behalf. I ignored it, since I did not and have a 3rd party working on my behalf at any point in this process. 

I called again on XX/XX/XXXX and was told by this TransUnion rep that they would reach out to XXXX XXXX XXXX. 

I called on XX/XX/XXXX. I was on the phone for over an hour with XXXX supervisors. I was told that I had to resubmit my forms because a department, which I could not speak to, had determined that my forms had been sent by a third party. Again, I have attached these forms below and you will see no evidence of a third party. I asked why resubmitting them would result in a different outcome, and the supervisor had no answer. 

This supervisor said she would reach out to XXXX XXXX XXXX. Since that did not work the first time, I have no reason to believe it will work this time. 

Additionally, TU has a chat function on their website. I had a couple experiences of submitting a chat and having it indicate that a representative would be with me soon. It would be a couple hours before the representative would respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information and they keep reporting this account on my report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted with.
Product: Student loan

Last fall XXXX around XXXX I submitted a form via Nelnet 's Contact Us form on their site because I can't access my account. I don't have that same student email address and my college is no longer forwarding emails once you are not enrolled. I haven't went to XXXX XXXXXXXXXXXX for 17 years. I can't call during the week because I work and can't sit on hold nor talk freely while at work. In addition I have to travel to and from work and can't be on my phone due to cell phone laws about driving and being on the phone. Today I received an email from Nelnet to my new email address of XXXX saying I am past due and owe XXXX XXXX I can't get a password reset because they keep sending it to my old college email of XXXX and then I'm getting an internet error too. They have never responded to issue although I submitted it online 8 months ago. Therefore I've been paying {$5.00} per month because that was the last arrangement made for payment of my student loan. I need to be able to access my account online as well change my address, etc. If they have my new email if XXXX then why isn't that being used to help me reset my email and password? Please help!!!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Charged a vacation to our XXXX account, and directed the payment to a credit card. XXXX automatically assigned the payment to our checking account with Wells Fargo, which did not have the available funds. We spoke with XXXX, who refused to correct the charges and did not give alternative options. Wells Fargo initially refused the charge twice, but processed it at the third attempt to our checking account. We spoke with Wells Fargo about cancelling the charge, but they refused and offered to open an investigation, which will give us a negative account balance for the next ten days. We do not have money to eat.
Product: Debt collection

ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXXXXX XXXXHas placed medical collections on my XXXX Credit Report, which they have not validated. I have sent them a Demand Letter, explicitly stating the requirements for debt validation as per the terms of the law;To: ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXI am sending this letter due to your incorrect reporting to the Credit Bureaus. This erroneous reporting negatively impacts my credit which hinders my ability to get financing. I’m requesting in accordance with the Fair Debt Collection Practices Act (15 USC 1692g, Section 809b) notifying you that your claim is disputed and validation is required. I am not requesting verification rather I am requesting validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.I request the following:Justification for the claimed amount, including invoices or receipts.Explanation of how you calculated the amount owed.Copies of any documents stating that I agreed to pay the claimed amount.The identity of the original creditor.Proof that the Statute of Limitations has not expired on these accounts. Proof that you are licensed to collect debt in my state.Your licensed numbers and Registered Agent or Agent of Service.I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will consult my legal consul. If I personally don’t receive a response from you for validation of these accounts within 30 days, all references to the accounts must be deleted from all three Credit Bureaus. As they have received this letter via certified postal mail, I expect them to remove the collections from my credit reports because the debts are not valid and unless they are able to prove the debts are valid I must not have false information negatively impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys can't get this right my report is still inaccurate you are to update the status of all accounts to sold charge off because the status of the account is sold and charged off you are update all payment status to sold charge off because the account is sold not in collections HOW CAN A CREDITOR REPORT YOU IN COLLECTIONS WHEN HE SOLD THE ACCOUNT MY NEXT STEP IS TO SUE EXPERIAN
Product: Credit reporting or other personal consumer reports

proof of validation and original contract .according to the fair credit reporting act 15usc 1681 section 602 a states a need to insure fairness and respect for consumer right to privacy.XXXX, XXXX  and Experian are consumer reporting agencies.i am a consumer.15 use 6801 states protect the security and confidentiality of those customersXXXX XXXX is financial institute by def under title .15 usc 1681 section 604a section 2.XXXX XXXX, XXXX  XXXX XXXX and Experian does not have my consent to furnish this information or written consent.any and all consent to XXXX, XXXX, experian, XXXX XXXX, XXXX  XXXX, XXXX.weather it be verbal or non verbal written or unwritten is revoked. 15 use 6802 b c states financial institutes may not disclose non public information. XXXX XXXX, XXXX XXXX and XXXX never informed me of my rights to exercise my disclosure option.also 15 use 1681c a 5 except as authorized under sub sec b is against the law.
Product: Credit reporting or other personal consumer reports

XXXX have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. XXXX is in violation and is reporting inaccurate information being my name and XXXX XXXX. Attached are receipts from certified copies sent to XXXX, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of XXXX stating the information is reporting from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XX/XX/XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original CreditorXX/XX/XXXXXXXX XXXX XXXX XXXX MD ) XXXX Balance XXXX {$370.00} XX/XX/XXXX XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to remove  four  accounts on my credit report that do not belong to me. I have personally contacted the creditors at Transunion 's request and they have each individually confirmed my concern that Transunion is reporting someone else 's information on my credit. I am filing this complaint because Transunion is reporting someone else 's accounts on my report and they are refusing to remove these items. The following accounts need to be deleted from my credit report immediately :  XXXX   XXXX  with account number "  XXXX  '' ;   XXXX   XXXX   with account number "  XXXX  '' ;  XXXX  with account number "  XXXX  '' ;  XXXX   XXXX  with account number "  XXXX  '' ; I have never had accounts with these companies and they are telling me that my personal information does not match the details they have for the  XXXX  in their database. This is making things more difficult because since I am not the right  XXXX , it is against their policies to send me additional information about these accounts. I am being given the run around by Transunion and these companies and I feel stuck and do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Debt collection

DIV ADJ SERV has reported a disputed debt that I made aware to them was involved in a fraud and identity theft in a pending police report case and they went ahead reported to the credit bureaus anyways. They have violated my right under the fraud victim bill of rights. They have violated the FDCPA by reporting a disputed debt involved in a identity theft and fraud police case. 


Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX Detective XXXX XXXX XXXX XXXX XXXX Police
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX  XXXX account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>, while Equifax inaccurately XXXX a XXXX late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>, while Equifax inaccurately XXXX a XXXX late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>, while XXXX inaccurately XXXX a XXXX late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>, while XXXX inaccurately XXXX a XXXX late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency Is Reporting Inaccurate And Fraudulent Information On My Consumer Report. I Called To Have These Fraudulent Hard Inquiries Taking Off My Consumers Report And Was Told They Could Not Remove Them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice intent to sue due to defamation of my character publication of information inaccurate negative items on my consumer report. I have been Identified by state denied credit. Remarks negative impacting my reputation, Publish information is Demonstably False and Credit Bearues are at fault. 

Notice Intent to sue due to Violation of my rights 15 U.S. Code 1681s ( 2 ) ( b ) Failing the requiment to delete inaccurate reporting after reinvestigation, which XXXX designated with private cause of Action. 

Account : Open Sky XXXX XXXX : XXXX XXXX - XX/XX/XXXX Experian XXXX Credit XX/XX/XXXX Credit XXXX Bank XX/XX/XXXX Cap XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX phone numer : XXXX Phone Number : XXXX Job I dont not work for and never have been associate with : XXXX XXXX XXXX XXXX  bussiness address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX, TX XXXX - home closing was to be on XX/XX/2019 according to all signed contracts. 

I am the seller, I was told first of all that the closing would be early XX/XX/2019, then pushed back to XX/XX/2019 due to buyer gift money. 

Loan office XXXX XXXX communicated with me several times on Friday XXXX assured me that the file would be sent to title on the XX/XX/XXXX which did not happen, XXXX central time was told again now the file should be sent on Monday at XXXX central time. Now it is XXXX central time and no file and no call back on the status of the buyer loan. No communication at all to provide an update. 

The name of the mortgage company is XXXX XXXX XXXX I have requested that two letters be written 1 ) My existing mortgage company with an explanation 2 ) A letter in regards to a major purchase XXXX XXXX XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO DISPUTE CREDIT INQUIRY WITH TRANSUNION DO TO ME NOT APPLY FOR ANYTHING IN THE PAST, 2019 WAS THE FIRST YEAR I BEGGING RUNNING FOR INQUIRY. THEY HAVE NOT MADE ANY CHANGES, KNOW THAT I AM TRYING TO APPLY FOR DIFFERENT THIS IS HENDERING ME FOR FINANCES. I HAVE HAD TO PLACE IDENITY AND FRAUD ALERT ON MY ACCOUNT IN THE PAST 2 YEARS AND THEY HAVE HELP ME DUE TO ME BEING A VICTIM OF INQUIRY ON MY CREDIT
Product: Debt collection

On XXXX/XXXX/XXXX, my sister received a call from XXXX XXXX XXXX on her cell phone ( XXXX ), from the phone number XXXX ( XXXX ) XXXX. Her number was obtained illegally by this company, and as she is my step sister, we do not even have the same last name. This is a violation of my privacy and hers. She is in no way associated with the account that is in collections and should have never been contacted. I informed the company of this and instead of responding to my complaint, they continued to discuss the debt.
Product: Credit reporting or other personal consumer reports

I have discovered after recently obtaining my credit reports from TransUnion and Equifax that there are inquiries that I did not authorize. I have included a report filed with the FTC. 

XXXX XXXX- XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/year> XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX
Product: Checking or savings account

I went in to a bank of america about three weeks ago, and I sat down with a representative. Explained I would like to open an account and she assisted me gathered all the necessary id and documents. Had me create an account and when it got to the point to open it. It kept saying unable to open your account please reach out to customer service. She had me try a few more times, and to avail so she called and reached out to the accounts department and I spoke with a gentleman and he informed me I couldn't open an account but he couldn't provide me a reason. It wasn't the institution It was a particular branch was all he could say.
Product: Debt collection

I never had to do anything with this company, but it shows on my credit report. When I asked them to verify the debt they said it will be send via email?