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

In accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights. 

Account # XXXX Account Name : U S DEPT OF ED/XXXX Account XXXX XXXX Account Name : U S DEPT OF EDXXXX Account # XXXX Account Name : U S DEPT OF EDUCATIONXXXX Account # XXXX XXXX Account Name : U S DEPT. OF EDUCATION/XXXX  Account # XXXX XXXX Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX XXXX  Account Name : US DEPARTMENT OF EDUCATION Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A : States that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with XXXX, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions during the last 2 weeks, I have been unable to sign in to TransUnion or to unfreeze my credit report or to get an online report which are the usual products the website and agency claim you can get. I have recreated a sign in and password several times, used different devices and different times throughout the week. This is adversely affecting my credit score and my ability to get pre-approved for a home loan as the lender has tried to access my accounts more than once ; it stalls the loan process, and suggests a negative credit history, or personal ineptness at using technology. Each inquiry deducts at least 6 points from a credit score. XXXX has similar problems. So not only are they supposed to create an accurate and honest credit history, they also sabotage our access with website problems. Similar issues have happened on previous occasions with all 3 credit agencies but moreso with TransUnion. 
All of these agencies should correct the website problems or remove themselves as a credit reporting agency. Consumers are basically held XXXX and prevented from getting their own personal information. Although I can get a written credit report, I am once again at their mercy timewise where reports can be delayed by unresponsiveness or mail services. I couldn't even correct an address error because the only choice is " I never lived there '' so you can't fix issues like Road , Avenue , Street, etc- these are significant issues when the town I lived in had an XXXX COURT ( my address ), XXXX XXXX and XXXX XXXX all in the same community. Packages were always misdelivered and there was a lot of delivery theft.
Product: Credit reporting

In the dispute linked to this NEW action item, Equifax stated the following : '' Explanation of closure - Equifax has reviewed the complaint and its records. XXXX account number **************** and XXXX account number XXXX has been updated. The disputed XXXX account numbers XXXX and XXXX are currently not reporting on the Equifax credit file. Written confirmation was mailed on XXXX/XXXX/15. " The DISPUTED account numbers they claim do not exist, even with the screen shots of their product, were never responded to. 

These Accounts - as evidenced by the original attachment in the original dispute, and then a new attachment specific to these accounts ( Equifax XXXX 's ) - are attached. These screen shots are from my report, in XXXX 's product. 

Once again Eq -1. Please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

SYNCB/PPC XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING
Product: Credit reporting 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 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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.
Product: Debt collection

I had went to the hospital in another state and then moved. I received notice of the medical after it was sent to collections from the hospital and the debt collector had already reported it to all 3 bureaus. I called the company, Transworld Systems Inc. at XXXX, today to advise I would pay the balance in full in exchange for a deletion letter. They advised they would submit it as paid in full but not provide a deletion letter. 

Right now, I understand it is may not be a violation of the FDCPA, but debt collectors should not be able to damage your credit for years ( after paying off the medical debt ) and then refuse to remediate it. Why is part of the FDCPA that requires that debt collectors who report provide deletion letters if the debt is paid in full?
Product: Credit reporting or other personal consumer reports

Credit Control nor XXXX XXXX aren't the original owner. I do not have a contract nor did I authorize the COMPANIES to obtain my information, my rights to privacy were violated under the FDCPA & FCRA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit file by several creditors. The details of my dispute and the applicable legal provisions supporting my claim are outlined below. 

XXXX. XXXX XXXX XXXX 

Account Details : Account Open Date : XX/XX/XXXX Balance : {$300.00} Credit Limit : {$2500.00} Payment History : XXXX days late, {$60.00} past due This account contains inaccuracies regarding the reported late payments and their compliance with consumer protections outlined in the following statutes : 15 USC 1666b Timely payments must be credited if received within the grace period set forth in the billing statement.

15 USC 1637 ( b ) Creditors are required to disclose accurate
account statements, including payment allocations and any late fees.

15 USC 1681s-2 ( a ) Furnishers must report accurate information to consumer reporting agencies.

15 USC 1681i Consumers have the right to dispute inaccurate information on their credit file.

I request that the CFPB investigate this account and verify whether XXXX XXXX has complied with these legal standards. 

XXXX. XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$460.00} ( charged off ) Credit Limit : {$300.00} XXXX XXXX has reported this account as charged off as bad debt with a balance exceeding the credit limit. Under 15 USC 1681s-2, I am disputing the accuracy of the charge-off amount and whether appropriate notice was given per legal requirements. 

XXXX XXXX XXXX XXXX Account Details : Account Open Date : XX/XX/XXXX Balance : {$220.00} ( charged off ) Credit Limit : {$200.00} This account is also reported as charged off as bad debt. I am requesting an investigation into the accuracy of this reporting under 15 USC 1681i and a review of compliance with applicable FCRA regulations.

Resolution Requested I respectfully request the following : 1. Full
investigation into the accuracy of the reported late payments and charge-offs.

2. Removal of any inaccuracies identified during the investigation.

3. Written confirmation of the resolution of this dispute.

Please find attached copies of my credit report highlighting the disputed items and any supporting documentation for your review. 

Thank you for your attention to this matter. I trust the CFPB will ensure compliance with the Fair Credit Reporting Act and other applicable regulations. 

Sincerely, XXXX XXXX Enclosures : 1. Credit report excerpts highlighting disputed accounts 2. Supporting documentation ( if applicable )
Product: Checking or savings account

I had two prior accounts with Huntington that were charged off. I paid them both off and was advised that upon paying those accounts off I could still open a new account. I waited the waiting period after payments has posted and attempted to open the account. I was denied but they could not tell me why and advised I call customer serivce.I sat on the phone with customer service for them to tell me the accounts were paid and to go back to the branch and speak with someone else. 
I have been to the branch twice and still not resolution and still no account after being told they could also just reopen my last account. I am requesting that an asterick free checking account along with the savings account be opened per what I was told by agency management as I have done everything as requsted.
Product: Debt collection

{$5000.00} XX/XX/2019 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent
Product: Checking or savings account

We have a joint checking account with Wells Fargo. It was subject to check fraud. We had written a {$500.00} check in XXXX to an XXXX  company. This check was never cashed by the company. On XX/XX/XXXX, that numbered check ( written for {$500.00} ) was deposited and cashed for {$2500.00} by XXXX XXXX. That same numbered check was deposited and cashed by XXXX XXXX on XX/XX/XXXX for another {$2500.00}. We did not see that these checks had been cashed. 

Subsequently, on XX/XX/XXXX Wells Fargo called us about a {$900.00} check ( using a different check number ) that was trying to be deposited with a bank in XXXX. We told them we didnt know anything about that check. They did not honor it. After reviewing our account, we filed a claim with Wells about the two other checks that were cashed fraudulently on XX/XX/XXXX and XX/XX/XXXX. They have sent us a letter saying since we did not report the first fraudulent check within 30 days of the statement, they are not going to reimburse our funds, even though they verified we had not written any of these checks.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX Account : * Date : XX/XX/XXXX * Issue : An account with XXXX XXXX XXXX XXXX appears on my credit report. This account was fraudulently opened as a result of identity theft and does not belong to me. 
XXXX XXXX XXXX XXXX XXXX : * Date Opened : XX/XX/XXXX * Issue : A collection account with XXXX XXXX XXXX is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me.
Product: Bank account or service

hi Bank Santander reported " account risk '' for the XXXX accounts to " XXXX XXXX '' credit reporting company. Subsequently, other banks that I held bank personal accounts, credit cards, IRAs, XXXX accounts terminated my accounts. Now I have to open new accounts, but I have a hard time to do so, because XXXX keeps issuing " account risk '' for my ID. 
The problem is with bank Santander / Sovereign, I would like the information about " account risk '' to be removed from my file due to the following reasons : 1. I am a joint signor on the accounts, but I never performed any operations with this accounts. I did not receive any statement or information from the bank about these accounts, even though they have my correct address. 
2. I am not the owner of the company that owns these accounts and I have a limited liability for these accounts. 
3. The bank never gave me any information regarding any unpaid fees or any problems. 
4. The bank never gave me a chance to correct the situation and pay the fees or any other losses. 
5. The negligence of Santader bank causes me stress and I have troubles to open any other bank account. 
Contribution ref # XXXX & # XXXX that " XXXX XXXX '' received, for the accounts # XXXX and # XXXX. 

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

I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my XXXX score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

XX/XX/XXXX I got a notification from XXXX which I pay for that Sunrise Credit Services placed a account in collections from XXXX stating the original debt is {$1000.00} and the current balance is {$1000.00}. I called Sunrise Credit Services today and was told they could not pull up any information on me, so then I was transferred to another dept which I stayed on the phone waiting for someone to come the line to assist me for XXXX minutes and no one came to the line. I was asked to wait while they look for someone and the last thing I was told was they couldn't find anyone to help me. I told the representative that couldn't find any information with my social security number that I haven't had XXXX XXXX  and if they had tried to reach out to me I would've provided them with that information before sending it to all three credit bureaus. Below is the previous complaint I filled for the same debt but different amounts. I don't know if this company is using another name or the debt keep being sold. 

XXXX XXXX XXXX is reporting a debt owed to XXXX that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX. I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours. I also told her that I never received anything from them to give them this information before they sent this to the XXXX XXXX XXXX XXXX. I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief. They are reporting inaccurate information 1. Owner of Debt 2. Amount they said they had on file and the amount reporting to XXXX 3. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX  Original Lender XXXX XXXX Agency Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual
Product: Credit card or prepaid card

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

XXXX XXXX  XXXX - XXXX " You have violated the United States XXXXde Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. ''