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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX Account # XXXX ), ( XXXX XXXX  Account XXXX XXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at XXXX XXXX  on XXXX XXXX under the account number XXXX, XXXX XXXX opened on XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and XXXX collections account opened at XXXX XXXX XXXX with a balance of {$9500.00} under the account XXXX and XXXX with a balance of {$690.00} under the account XXXX. Also 4 inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the bureaus about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Credit reporting or other personal consumer reports

Case # XXXX : XXXX XXXX  Case # XXXX Notice was received on XX/XX/2023 by EQUIFAX and signed by XXXX XXXX XXXX Called EQUIFAX and spoke with several Representatives regarding this and till today, they have not performed by deleting and blocking the details listed in my notice. 

I was told to submit ID and address verification was insufficient, which was incorrect. They were requesting another self attestation cause the original letter sent is not sufficient, no one has been able to clarify the self attestation to me. Over 10 days has passed and still no confirmation of progress for my situation. 

XX/XX/XXXX - today, spoke with a Representative who has now given me another case number ( Case # XXXX ) since the other has been closed. 

According to the CFPB, credit reporting agencies should only request additional information regarding identity and nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural living person never gave Transunion permission to report INACCURATE information on my consumers report define 15 USC 1681 B ( 2 ) its been 60 days since i sent them my affidavit of truth! an no response
Product: Debt collection

XXXX XXXX has made repeated phone calls to my parents, cousins, job, and numerous family members I don't speak with telling them I need to get in touch with XXXX XXXX immediately for an owed debt. They have called the same people over and over even after I called and told them to stop contacting myself and family members repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX I XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I have initiated XXXX separate disputes with EQUIFAX for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and EQUIFAX has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  Account # 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Portfolio Recovery Associates, LLC is trying to collect on a debt that is not mine. I have submitted documentation from XXXX, a credit reporting agency, affirming that the debt is not mine. They are using falsified documentation as evidence that the debt belongs to me. The original paperwork I received on the account in question was sent to a person with my name at an address at which I never resided. After I refuted the address, the company changed the address on the " evidence. '' This account is not mine, yet the collection agency is trying any tactic they can to collect on the debt. The debt IS NOT mine.
Product: Prepaid card

On XXXX/XXXX/16, I used my card at a Chase bank ATM to withdrawal {$500.00} from my card. I received a receipt that says " transaction denied '' and did not receive the {$500.00} I requested. I then went to a XXXX XXXX ATM and was able to withdrawal {$500.00} twice, for a total of {$1000.00}. 
I checked my account balance on XXXX/XXXX/16 and saw that the {$500.00} that I did not receive was deducted from my account. I contacted customer service and submitted an oral dispute claim. I was instructed to fax a written statement within XXXX business days and was given a reference number. On XXXX/XXXX/16, I faxed this written statement to the number provided. On XXXX/XXXX/16, I contacted customer service to check on the status of the dispute. I was told they had no information for me and they could not confirm or deny receipt of my faxed statement. I asked to speak to someone else and was told I could not and I had to wait the 10 business days first. I decided to refax my written statement, just in case, and did so on XXXX/XXXX/16. 
On XXXX/XXXX/16, I contacted customer service again, as this was the 10th business day and I did not have a provisional credit in my account. I was told by customer service that my account stated I would receive provisional credit on XXXX/XXXX/16, if they received my faxed written statement. I communicated that I had faxed this written statement twice and confirmed the correct fax number. After being put on hold for several minutes, I was told they did n't have it and I would not receive provisional credit until they received it. I referenced Regulation E, which states that the company is required to provide provisional credit within 10 business days of receiving the oral complaint, regardless of their requirement of written documentation. The customer service representative told me she would forward the information to her supervisor, XXXX. I informed her that I would be contacting consumer finance if I did n't have the credit in my account, which to date, I do not.
Product: Credit reporting or other personal consumer reports

VALIDATION, NOT Verification RE : CREDITORS BUREAU ASSOC

IA To Whom It May Concern : This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account.

Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately.

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX, Experian, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXXXXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Product: Debt collection

XXXX the manager at One Main Financial continues to contact me at my place of employment. I have told him repeated times to not call me at work. One of the times he contacted me was on XX/XX/XXXX of XXXX at XXXX XXXX. another is XX/XX/XXXX of XXXX at XXXX XXXX. and several others before that. This is affecting me way more than emotionally and putting undue stress on me and my employer. I do not want to lose my job due to this gentleman continuing to contact me at my place of employment
Product: Debt collection

{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX
Product: Money transfer, virtual currency, or money service

I ask to Paypal to issue a refund ( {$62.00} ) because an item I paid online on XX/XX/2018 ( not XXXX ) and they open a case ( Case # XXXX ) I had satisfied all they ask for and they told me on XX/XX/XXXX that will issue the refund and it is XX/XX/XXXX and I didn't receive my refund yet. Aslo paypal had limited my paypal account for some item I sold on XXXX but I didt have the receipt of purchase on my name so they limited my account by paypal policy which it is they right, but why they are still keeping mi information even thought I ask for remove it from their server company and I'm very concern because paypal has been hacked several time. I talk to paypal several time and the refuse to remove my financial and personal information which in my opinion shouldnt be legal or allow. 
please if this matter is not part of your department could you guide me where should I submit my issue. 
thanks XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I sent three checks to Upgrade to payoff my accounts, which includes two personal loans and a credit card. I sent them via USPS priority mail and the tracking number indicates the checks will be delivered today. However, Upgrade tells me it could take up to three weeks to process my payoffs because they are simply too busy to do it in a timely manner. Upgrade also said I would be responsible for accrued interest during these three weeks despite them having the check in hand. I dont believe I should be charged accrued interest because Upgrade doesnt have the ability to process payments in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( XXXX ) & 15 USC 1681i ( a ) ( XXXX ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( XXXX ). Please be advised that under 15 USC1681i ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.