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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$5900.00} XXXX Account number : XXXX Balance : {$11000.00}
Product: Credit reporting

I received a copy of my background check to a job i just applied for ... Its stating on there that I am ineligible on the STATEWIDE Criminal XXXX, XXXX, XXXX XXXX : TEXAS DEPARTMENT OF PUBLIC SAFTEYLOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' THIS IS NOT ME I HAVE NEVER LIVED IN XXXX, OR HAD A XXXX ECSPECIALLY XXXX OR MORE, I HAVE NEVER BEEN CONVICTED AND I WAS LIVING IN XXXX AT THE TIME IN XXXX RUNNING THE XXXX AT XXXX XXXX IN XXXX XXXX I DID NOT LEAVE THERE AND COME TO XXXX UNTIL XXXX OR AFTER WHEN THE XXXX HIT.. I DO NOT HAVE A MIDDLE NAME ... AND NEVER HEARD OF A XXXX. I NEED THIS REMOVED DUE TO THE POINT IT IS CAUSING ME NOT TO GET HIRED. I NEVER GO TO XXXX, MAYBE XXXX BUT NOT XXXX. 

WHAT PICTURE IS ON FILE FOR THIS CONVICTION? 
WHO IS XXXX? 
HOW CAN I REMOVE THIS? 

PLEASE HELP WITH THIS MATTERCASE # XXXX XXXX XXXXXXXX XXXX : XXXX : XXXX : XXXX XXXX, XXXX XXXX, XXXX
Product: Credit card or prepaid card

I purchased a travel reward tickets using my HSBC card ending in XXXX on XX/XX/2021 using the HSBC reward site. The 2 tickets were purchased using points. HSBC have failed in deducting the points and crediting the amount. HSBC is failing to fulfill their part of the card agreement and in addition to this are charging me annual fee on the card for benefits they are not fulfilling. In addition, because the points have not been diducted and the amount credited, i will be charged interest. I think they should pay me interest for being late and not me paying interest because of their mistake. The points used for the purchase are XXXX points = to {$1100.00}. I spoke to the HSBC reward department over 10 times in the past month. I spoke with the HSBC customer service also over 10 times regarding this. I escalated the issue multiple times with the bank and the reward department with no resolution yet. on XX/XX/2021 the bank rep got a promise that a supervisor will be calling me the customer on XX/XX/2021 and i received no call or email. Today XX/XX/2021 i called again and neither the bank or their reward department has an answer for me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus Experian, XXXX, and XXXX. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, Experian, XXXX, and XXXX continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account. 


2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure Experian, XXXX, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX has refused to appropriately address or resolve.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and disagreement with the items listed below on my credit report, which continue to appear despite your previous investigation. These inaccuracies are still unresolved and remain highly detrimental to my credit rating. 

XXXX XXXX XXXX XXXX - ( account number : XXXX ) It has been more than XXXX  days since I first requested an investigation of these items, and I have yet to receive any response or resolution. The continued presence of these inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to complete their investigations within XXXX  days. As you are aware, failing to correct inaccurate information or respond within the mandated timeframe constitutes a violation of the law. 

In accordance with FCRA, Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D, I respectfully request the following : A reinvestigation of the above-listed item on my credit report.The names and business addresses of each individual or organization with whom you verified the above items, so I may follow up directly. Additionally, I request that you provide me with an updated copy of my credit report once your reinvestigation has been completed and the necessary corrections made. 

Please note that my legal rights under the FCRA include the right to a prompt and accurate investigation of disputed information. Failure to meet these obligations not only continues to harm my credit profile but also violates the protections afforded to me under federal law. 

Your immediate attention to this matter is not only appreciated but required. I trust that you will act swiftly to resolve these discrepancies in compliance with the law. 

Thank you for your prompt cooperation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 have sent 3 letters to the credit bureaus XXXX, experian and XXXX  demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX  account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law
Product: Credit reporting or other personal consumer reports

I have consistently raised concerns about the inaccuracies in the provided information with XXXX, XXXX, and TransUnion ; unfortunately, the matter remains unresolved to date. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XX/XX/year>, disputing a debt claim made by XXXX XXXX XXXX regarding an account with the original creditor XXXX in the amount of {$600.00}. Despite my requests, XXXX XXXX XXXX has failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : XXXX. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
XXXX. Insufficient Account History : The documentation provided does not include a detailed account history showing transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
XXXX. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX  is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX to XXXX XXXX XXXX XXXX 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of XXXX XXXX XXXX, assuming that no proof of the alleged debt exists. 

My Demands : XXXX. XXXX cessation of all collection activities until the debt is properly validated. 
XXXX. XXXX removal of the inaccurate information from my credit report. 
XXXX. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of duplicate student loans that are being reported on my Experian credit profile. Upon reviewing my recent Experian credit report, I have identified that the same student loan accounts that are named XXXX/DEPT OF ED '' on my Experian credit profile, are being listed multiple times as " XXXX XXXX, which is creating an inaccurate reflection of my credit history on my Experian credit report. As these " XXXX XXXX accounts are duplicates of " XXXX/DEPT OF ED '' accounts please remove them from my Experian credit profile immediately, and keep the accurate " XXXXDEPT OF ED '' accounts on my Experian credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Product: Credit reporting or other personal consumer reports

all three credit reporting bureaus are deliberately retaliating all scores are be low XXXX on all three credit reports for no reason at all i have one account with XXXX XXXX bank paid all on time this discriminating purposely dropping my score from XXXX to XXXX with no derogatory att all and they remove wells fargo for no reason at all over 12 years of good credit payments first thay doble report the accounts XXXX when XXXX is XXXX i have proof
Product: Credit card

I applied for a Barclays world master card and shortly after I received a email stating that it was approved and the card was on the way. I also applied for XXXX more Barclays credit cards within a two day period.shortly after applying for the latter XXXX cards. I later received a email stating that I need to call in and verify information associated with my credit card application. When I called in to speak with the rep he stated that " the system could n't pull up any public database question and that I needed to send in a copy of my drivers license, ssn card, and a current utility bill. 

The strange thing is when I logged in to the online account I created for the Barclay world master card database question popped right up with no issues. I answered all the and passed the identity verification. When I received my Barclays world master card in the mail and attempted to activate it. the card it was blocked and It prompted me to call in and speak to a representative. when I spoke to the representative he asked me " verify my identity again. '' I again answered all of the question and rep stated he said congratulation your card is approved, a few mins later I attempted to make a purchase online only to find out that my purchase was declined so I had to call back in a 3rd time and they stated that i needed to send in '' ID ''. Are you serious??? according to the system I passed identity verification twice. what is the need of sending in my sensitive personal information that will pass threw god know who 's hands. I got approved for XXXX XXXX credit cards the same weekend with a different bank and have already received the cards with no issues. so at this point I would like to just close the account and have the trade line removed from my report. barclay is a total joke and I do n't want any of there cards ever in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting or other personal consumer reports

Please, on several occasions I have contacted the XXXX and equifax agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}.
Product: Debt collection

Diversified Consultants h ave placed on all   XXXX   of my credit bureaus a collection that is not mine. I have called and asked for any information they  may have such as a contract etc showing it is mine and they have refused only sending me a letter to send them a copy of my SS card and Drivers Lic. so they may ve rify it is mine. This is violating my credit report and causing me grief. I have also disputed this 4 times and they will not remove it.
Product: Vehicle loan or lease

Due to corona virus I got behind on my payments. I emailed santander consumerusa.com and never got any reply. They say they tried to contact me but I never got a phone call, they didnt try to work with me. They never tried to call my husbands number or email or mail me anything. This morning I woke up to my car being repoed. They have since deleted my account on there site and are telling me I have to come up with the entire past due amount plus fees. I have no clue where to turn or what to do. Also my husband cant work right now because he has a XXXX XXXX XXXX. I also cant access any of my information as they have closed out my info on their website.
Product: Credit reporting or other personal consumer reports

You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
Product: Debt collection

The debt collector was sent a certified letter to stop contacting me as the original creditor ( XXXX  ) waived the amount owned following a dispute on XXXX XXXX XXXX. I have sent an email were I have attached the dispute resolution and somebody from the office confirmed over the phone call that they have received it. Unfortunately they don't stop calling and keep saying that they haven't received it. I have sent the dispute letter multiple times but the calls still don't stop even after verbally asking them to stop calling me. The debt collector is Caine & Weiner, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. Phone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not inquired on my credit for years so there should be no inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, WELLSFARGO IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE WELLS FARGO ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX - {$140.00} Order said delivered when I got home no package was there contact the shipper they pretty much was giving me the run around open a dispute with wisely months later claim denied after I sent in almost everything XXXX XXXX XXXX XXXX XXXX XXXX. at XXXX is when my package was delivered