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

I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.
Product: Debt collection

Third party debt collection agency acquired my private consumer report information without my knowledge. This is identity theft and is a voilation of the Fair Debt Collection Practices Act. it is also a violation of U.S. 15 U.S. Code $ 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I obtained a copy of my consumer report from the consumer reporting agencies ( XXXX, Transunion, XXXX ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.
Product: Credit reporting or other personal consumer reports

During the year XXXX, I recently learned that my personal information was used to open an account with companies. I did not authorize those accounts and requested it be closed immediately. Such as Negative Accounts Activities and inquiries. 

Also it's a major violation under 15 U.S.C. sec 1681a ( 2 ), 15 U.S.C. sec 1681b, 15 U.S.C sec 6802, 18 U.S.C sec 1028A, Executive Order 13844. 

DEBT VALIDATION CLAIM 15 U.S.C. 1692G
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to multiple unauthorized and inaccurate items appearing on my credit report, which violate my rights under the Fair Credit Reporting Act ( XXXX  ). These items include unauthorized hard inquiries, charge off accounts, and closed accounts with unfair late payment marks. The following Charge-Off Accounts The charge-off account listed below were reported without my consent and fail to meet XXXX FCRA standards under XXXX XXXX Code XXXX and XXXX ( b ) : XXXX  OF XXXX - Account number XXXX XXXX XXXX an immediate investigation and removal of this item to ensure the accuracy of my credit report, as required under federal law. This inaccuracies are unfairly damaging my creditworthiness and limiting my financial opportunities. Supporting documentation, including my FTC identity theft report, is attached for reference. I trust you will address this matter promptly and ensure compliance with the FCRA. Thank you
Product: Debt collection

Hello, my name is XXXX XXXX. I was contacted by my daughter XXXX XXXX that one of my debt collectors had sent her an email with all my debt information, including the amount of the debt. She wanted me to report it. For one, they are harassing her in her emails but secondly, she said it is illegal for them to be giving out any personal information about the debts that I owe. I have a screen shot of the information they sent her. If they are sending this to her then they are sending it to other family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Elevate Recoveries XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX about 2 bills being reported on my credit report. I asked them to validate the debt the collected and they refused to do so. I was rudely spoken to as well as the phone hung up in my face once I ask for the debt to be violated. The services are listed as they were via my credit report : XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX I would like the delinquent account that could not be proven as mine to be deleted from my credit report or else I'm filing a lawsuit for not only the 4th amendment violation, but reporting of unverifiable information being reported on my credit report. I am giving 30 days from today before I take action against them
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX  XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This is business debt that was on a business account. It should not be reporting against my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Payday loan, title loan, or personal loan

I sent a payment of {$16000.00} to the lender to be applied to my account through my online bill pay at XXXX XXXX XXXX Bank. The payment was scheduled to arrive on XX/XX/2021. 

The check was finally deposited and cleared my bank on XX/XX/2021. 

As of today, XX/XX/2021, Payoff still has not posted the payment to my account despite receiving a posting a later payment of {$1000.00}. 

Both checks came from the same bank, were sent to the exact same address, and had my name and account number on them. 

I find no reason for this other than they earn more interest the larger my balance is and the longer my account has a balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX [ Date ] To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Correct Personal Information Following National Credit Breach Dear [ XXXX/Equifax/XXXX ] , I am writing to formally request the immediate correction and removal of inaccurate personal information from my credit report. I am concerned that my personal information may have been compromised as part of a national credit bureau data breach. The inaccurate information being reported is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Texas Business & Commerce Code 20.06. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX I demand that any names, addresses, phone numbers, employment details, or other personal information inconsistent with the above be deleted immediately. 
Impact of the Breach : The XXXX Equifax breach and subsequent breaches involving credit bureaus underscore the need for robust protections of personal data. As a consumer, I am deeply concerned that incorrect or unverified information may result from such incidents, leading to potential identity theft or credit inaccuracies. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement
Product: Checking or savings account

I opened a Cd with Wells Fargo Bank their 11 month CD advertised several months ago, advertised insured to {$250000.00} by FDIC. It Bothered me that the CD was not able to Display all the CD NOS assigned when opening like a normal savings, checking account and supposed CD that was opened. On XX/XX/25 I printed the attached verification of funds with the bank, and it instructed me if accounts are missing to call the bank XXXX If an account is not listed, please contact customer service at XXXX This I did and was very concerned with the behavior exhibited towards the resolution of this matter. 

I am even more shocked since that time they have reclassified this CD under Investment. I did not make any Investment I opened a CD. I am even more shocked to see this as I have highlighted Insurance and INVESTMENT products are not FDIC INSURED. I simply do not know what kind of game wells Fargo is playing here. I have a cash CD insured by Wells Fargo NOT A NON INSURED INVESTMENT AS THEY HAVE MADE THIS TO APPEAR TO BE IN THE LAST FEW DAYS. Assistance is requested to Investigate and protect consumers accordingly.
Product: Credit card or prepaid card

I already tried last week to open and account at American Express and within a second the person assisted me told me ( declined ) again. <P/>I respectfully, ask the CFPB to release the disclosure financial balance on my account information that, I have on file with the CFPB. I have legal right to receive the disclosure financial statement, the balance on my own record with CFPB. I feel, I have been discriminated for any reason what so ever. I also have legal right to received my personal Disclosure financial record. I also request the American Express to transfer my money or my wife money in to my account or her account. I have legal right to receive my disclosure file with CFPB and American Express Bank. I have rights under FCRA and fraud alert as well.
Product: Debt collection

I have been trying to have this debt validated for years. It is for something/medical related in a state that I do not live in nor have ever lived in. I have sent numerous ( 5 ) validation letters to the creditor listed on my credit report, all of which have been returned to sender. I have also disputed the debt with credit bureaus, both XXXX  and XXXX  were also unable to validate this debt resulting in deletion. XXXX  continues to report a debt that I personally believe to be past 7 years, but the collection agency keeps reporting it newer and newer. I asked XXXX  to delete it as it is past the 7 year window, but also as they have not validated the debt nor has the creditor - which is a violation of my consumer rights and why I am escalating it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX Dismissed Acct number : XXXX Acct name : XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number ; XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX  XXXX Acct number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As 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 writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s- 2 ( A ) ( 1 ) a person shall 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: Debt collection

Hi. I want you to know I've never filed a complaint before. I'm really nervous because I don't want to get someone in trouble but I really need your help. 

I'm trying to get approved for a home loan and I am very close but there seems to be 1 thing holding me back. There is a collection on my credit report that is for XXXX. I don't remember owing XXXX any money but its on my credit report. When I found out, my husband called Contract Callers to see if we can just pay it and have it removed from my credit report. Contract Callers is who has the account on the report. 

Contract Callers told my husband no because they don't do pay for deletions as a company policy. I understand if that's their policy but its really hurting me to get this home. What really bothers me however is how they told my husband they don't have my address and they don't have my phone number. They even said they haven't spoken with us before. I don't understand how someone can hurt someone else 's credit without even trying to tell them money is owed. Or at the very least, confirming and making sure they have the right person before they begin causing this person harm. 

I'm desperate. I really need to buy a house and the only way I can get approved is by having this account removed from my credit report. Simply paying it won't do me any good. Can you help me convince Contract Callers to remove this from my report if I pay them? As I stated before, I never knew about this account until a lender pulled my report recently. It's not fair for me to have something hurting my credit when I wasn't even given a chance to pay in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the Mr.Cooper Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by Mr. Cooper that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover Mr.Cooper Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called Mr.Cooper at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX and XXXX. I have filed a dispute on several occassions against Kimball Tirey & St. John and on some of those occasions they ended there investigation in 1 day, which as they really never investigated. I disputed inaccurated information on this account from my name, my address, and the facts that this account was fraudulent and a closed account reporting in Collections but somehow this closed account amounts keep changing. I am a ''XXXX '' and thats whats on my Social Security Card , Birth Certificate, and Identification. This Collection account has no accurate proof that I, ''XXXX '' was the one responsible for this account because it does not belong to me. I requested that this merchant provide proof of any documents that shows ''XXXX '' on them but they never can provide that information. This account has been removed from my XXXX Credit report almost 6 months now, but XXXX and XXXX refuses to remove this account from my Credit report.