23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Product: Debt collection

I revived a call from HFS PreTrial Services Division. THey stated that a debt from XXXX XXXX in 2009 was needed to be collected. She then stated that not paying this debt would result them forwarding my case and having me arrested. I asked if I would be arrested by her, and she stated no, " but not paying this today would result me being held on a {$5000.00} cash bond and serving jail time. '' I then asked if I could call her back and she refused. She stated it has to be taken care of now, and saying that she implied she was denying me the right of validating my debt. She then went saying that her client felt that I committed check fraud, and by not paying back my debt was not helping me out. She still refused to allow me to contact her later. I spoke to her supervisor and the reviewed the tapes. The supervisor stated she did nothing wrong, because she said she would not take me to jail. I fell like as a consumer my rights were completely violated.
Product: Credit reporting or other personal consumer reports

Experian has removed one of my account from my credit report without any reason at all Company name XXXXXXXX XXXX XXXX XXXXXXXX XXXX I owned this account for too many to many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, XXXX, TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a robot nor am I a 3rd party, however I am a 3rd year law student and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Remove any variation of my name that is not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, the listed accounts below have violated my federal protected consumer rights to privacy and confidentiality as enshrined under 15 U.S.C Section 1681. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX : Account Number XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 ( a ) ( 4 ) states ... the need to insure that consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

15 U.S.C 1681 Section 604 ( c ) ( 3 ) states on information regarding inquiries that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit transaction that is not initiated by the consumer.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a customer to any consumer reporting agency if if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXX  for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Debt collection

I enrolled in a course from XXXX XXXX, 5 days later I called them to let them know that my sister has passed away overseas and I will be overseas for a while and because of the family emergency i will not be able to focus and internet as well as electricity in XXXX are difficult, therefore, i asked to be withdrawn, i was told yes that my request is sent. I went overseas, 3 months later when i get back i found out that i was sent to collection and my request was never sent. I contacted the school they said that they will process my request and removed the collection and i am still receiving phone calls and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible. Please apply these laws to my accounts. The Fair Dept Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A company named XXXX has accused me of owing {$210.00} for a product I return within 60 days, which a customer service representative told me I could if I was not 100 % satisfied. They said I ordered it on XX/XX/2016 and I returned it on XX/XX/2016. However, they threatened to report it to the credit bureaus. 























































XXXX
Product: Mortgage

To whom it may concern : Borrowers Name : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Our SS # is NOT on file with Ditech per customer service Loan account number w/Ditech : XXXX Concern : HOW CAN WE HAVE A WRITTEN OFF FRAUDULENT LOAN REMOVE that is NOT on any credit report. AND REMOVE A LENDER WHO IS OUT OF BUSINESS FROM OUR DEED AT THE COURTHOUSE. 

Summary : XXXX XXXX was the original 2nd lender on our mortgage 15  yrs ago. ( 80/20 ) Then the debt has been sold several times and then Ditech bought out the last company. The loan was written off in XXXX but Ditech keep sending collection notification and calling trying to collect on $ XXXX so call debt. This debt which was a 2nd loan used to close my home mortgage. We hired an Audit firm to review our original loan documents and there were several discrepancies that were found when our loan was processed/closed. Based on the violations we had the right not to continue to pay the monthly payments on the 1st and 2nd mortgage. The 1st Mortgage servicing company modified our loan due to these discrepancies. Each time when it was sold, we informed the agency who bought the debt as to why we are not paying for a loan that is in violation. So now Ditech is stating they have a make shift lien on my house because since they owned the debt paper. But the deed at the courthouse has the original lender XXXX XXXX on it ( Which no longer exist ). I ask Ditech why don't they put their name on the deed since they owned the debt ( a XXXX from collections ) said that is not good business since?
Product: Debt collection

I received a notification on XXXX XXXX a credit reporting app and it stated that I owe {$390.00} dollars from a company name Cash net USA and Ive never used this company nor do I owe them any money. Its being reported on XXXX, XXXX and Im not sure if its on XXXX. I would like this company to remove this debt because its not mine nor do I owe them anything. I havent received anything in the mail yet but nor any communication through telephone.
Product: Consumer Loan

I have been stuck with Ally begging for a lower interest rate for years. 
They do not budge -they rather me have a hard time making paymentsI have 2 years left to pay and since my financial situation has gotten worse Iam requesting help- they do n't budge, they rather extend my car paymentanother year and half, that is not help. It like im stuck in a bad relationshipwith no way out. Am I late on payments sometimes yes but its because imstruggling! Why not help? They rather I turn the car in?
Product: Debt collection

XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$2300.00}. Please correct and update this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : EQUIFAX MORT EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX EQUIFAX MTG EQUIFAX 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

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a customer of PNC bank ( formally XXXX XXXX ), have been banking with them since the XX/XX/XXXX 's and have both mortgages with them. Recently my equity line became due. I was working with them to try to refinance the line but they declined due to collateral. Then I was forwarded to a modification department who again declined due to collateral. Finally I was sent through a hardship department who said they would modify it but at a payment XXXX 's what I was paying. Living paycheck to paycheck, I could n't afford it. I requested different terms as I have never missed a payment with them and they declined. Since I was n't able to afford the modification, PNC told me they basically would write the debt off XX/XX/XXXX. I heard nothing from them until XX/XX/XXXX when they withdrew {$7000.00} from my checking account leaving me with {$100.00} for the month. There was no mailed notices saying they were still trying to collect the debt or anything. When I spoke with someone from PNC, they stated that the loan had been charged off and they were allowed to take all the money that they owed and basically accused me of being a deadbeat. The money that was in the account was from a retirement account to be used to fix the house to the city and insurance codes as the roof and tuck pointing needs to be done or I will be fined and lose the insurance on the home. I asked PNC for a copy of the Note and was told they could n't send it to me. I am not sure what to do as everything I have read about these " set off 's '' stated that they had to be actively trying to collect the debt ( they had n't ), the account had to be in collections ( it was n't ) and they could n't touch any money that came from a retirement account. I am not sure my options at this point.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made without my consent or authorization. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a notice of debt validation lettwr to the company. They never sent me a copy of a signature page from  XXXX . I called  XXXX  and they states that they have no debt in my name. I sent the company a letter stating that I was willing to settle the debt because I 'm trying to buy a house and wanted it removed off my credit. They sent a responding letter back saying they would settle for {$75.00}. I sent them a responding letter stating that since  XXXX  had no information that I 've had an account with them in my name they needed to now send me proof. They failed to do so?
Product: Credit reporting or other personal consumer reports

I would like a full report on all the payment dates, late payments, payment amounts, all amounts owed, the credit limit and all information they used to prove the information on this closed account was accurate.
Product: Debt collection

I received a credit collection from Ad Astra Recovery trying to collect {$1600.00} which was collected for XXXX XXXX. I have responded to them by phone telling them that I did not take out that loan and wasn't responsible for that collection. The collection is even on my credit and have lowered my score significantly. This collection from XXXX XXXX is a fraud and identity theft. No one will clear this problem. This has been going since XX/XX/2022 My file # with them XXXX. Please advise and clear my credit repor
Product: Credit card or prepaid card

I was told on multiple occasions the charge for two flights on this credit card would be credited to my account, since we were unable to fly due to being XXXX positive. On my last complaint I received a call asking if I was ok with them crediting me for the flight off of my credit card. They still have NOT processed the credit. This is borderline fraudulent now, since they have agreed at least twice now to take the charge off of my card. However as of today, I still have a $ XXXX balance for something that didn't take place and that I called to canceled before the flight.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of XXXX collection accounts listed on my credit report under the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

On XX/XX/2020 I walked into a branch and deposited a XXXX check from California child support. Later that day I recieved a Emil saying my account was going to close. XXXX XXXX I called the fraud prevention department and they made me aware they placed a hold on the check which caused my account to over draft. That representative took the hold off the check and placed it back into my account. XXXX XXXX Wells Fargo deducted {$1200.00} from my account saying they gave it to me twice. The representative from XXXX XXXX forced the check into my account instead of releasing the hold. So I put {$1200.00} they took it out it back as a in branch deposit and then took it again. They wont even give me proof of the hold or wont show where they took it only that it was in my account.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account XXXX : XXXX
Product: Checking or savings account

On XX/XX/year>, after XXXX XXXX I mobile deposited through the Wells Fargo Mobile Banking app my payroll check for {$3300.00} from the state of California postdated for XX/XX/XXXX. The check began processing and I was immediately credited {$400.00} of the total. Under the impression that the check was accepted and going through the regular processing procedure I spent the money. The next day I received a message from the bank via their app, in a section of the app which is not visible or easily accessible, stating that a hold had been put on the funds because it was post-dated. The bank then withdrew the {$400.00} dollars I had been credited. I called the bank and spoke to XXXX representatives who could not give me any reason for the hold other than it being post-dated to the XXXX which was the present day. I explained that I needed the money to my rent but continued to repeat that they could not do anything because it was post dated to today 's date.