23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed the collection from national credit systems following the end of the lease around XXXX  at XXXX XXXX XXXX. After receiving no information in regard from this collection from either the apartment complex or the collection agency, I contacted the collection agency. I was told that there were charges made by the complex. I then asked what these damages were and was sent an itemized report via email. The report included multiple damaged blinds, painting of the walls ( which did not occur ), a large hole in the wall ( which was merely a small scrape of paint missing due to a small metal piece that was sticking out of the top of the electric reclining couch ) and multiple missed payments which were made via money order to the complex due to the online pay system being down. I asked the customer service rep at National Credit Systems why I hadnt received any information regarding these charges and received no reasonable answer. I have picture proof of the state of the unit taken on the last day of my cleaning and walkthrough of the apartment. Im very displeased from the behavior of the company that owns the complex ( who are very difficult to contact ) and by the lack of assistance from the collection agency. The charge is a derogatory mark on my credit report and has made it impossible to get leasing into another apartment complex. The charge is for {$3600.00} which appears to be very bad when other companies see the amount and where the charge is from.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements.

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter.

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe.

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. Experians failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation.

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
Product: Debt collection

On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX XXXX with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/year> they denied my dispute right awy
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

Received a loan in XXXX  because of need not knowing it was predatory. In the state of Florida predatory loans are illegal.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ Account Number ] for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A. States I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XX/XX/year> I received correspondence from credit acceptance a letter to verify validity of a contract. Information I received that was provided was not accurate information. signatures was forged for documentation.
Product: Checking or savings account

My brother became XXXX he gave me power of attorney before he got sick they cut his leg so he went to a XXXXXXXX XXXX  until he get his XXXX I went to the bank because I need to pay the XXXXXXXX XXXX the first time I access the bank they told me that how he got sick so quickly I took the Dr report and letter then they say the letter from the notary I did that and they still have me waiting is bad because my brother need his money can you help me the media will eat this up for breakfast that will be my next step thank you XXXX bless you and your angels watch over you always my name is XXXX XXXX XXXX my brother name is XXXX XXXX XXXX XXXX hope you can help really really need your help so I can pay his XXXXXXXX XXXX the reason I can't bring him home is because I have a coop no elevator my brother have XXXX  3 times a week if I bring him home with XXXXXXXX XXXX he would not go to XXXX then he's going to end up in the hospital and is not going to be easy for me XXXX blessing
Product: Vehicle loan or lease

I am strong victim of wells Fargo auto loan I was neglected when I summited the complaint and this has violated my consumer rights I have XXXX XXXX XXXX XXXX XXXX XXXX  and request CFPB and was over look now I have XXXX XXXX XXXX XXXX XXXX well Fargo has approved a loan on a damaged vehicle and over priced the vehicle Wells Fargo approved a auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Collection is handling an account that I had with XXXX. I do have a balance with XXXX but not the balance they are reporting. Also, they are reporting the wrong account open date. I have disputed this information with the three major credit bureaus and with Monterey Collection and they have not fixed it to this day. I would like for them to show correct documents of when I open this account or remove it from my report. When I open the account it was in XXXX. They are saying I open it in XXXX. They are reporting incorrect information.
Product: Credit reporting or other personal consumer reports

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you this account has been deleted then put back on my credit report your company reported that you have reviewed my complaint along with the information you previously provided regarding this issue. In order to verify the accuracy and completeness of XXXX # XXXX we initiated an investigation into the account. In response to the investigation, XXXX # XXXX was updated to reflect the remark of " Credit Card Lost or Stolen '', and the balance has been updated to reflect as {$0.00}. Then deleted the account then reposted the account again
Product: Credit reporting or other personal consumer reports

Portfolio recovery is violating the law by reporting two accounts that 1 ) I was never given a notice for. According to the FCRA they have 5 days for a written notice to be given. Also these accounts have an arbitration clause. I dont know who gave them the right to collect on a contract with a clause.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt. Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name : XXXX XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCY. 

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts. As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ).

Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute.

Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b.

The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4. I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Mortgage

My Husband and I Have a 20 year fixed note and we took out the loan in XXXX and the maturity date is approaching which is XXXX within 4 months to be paid off and we received a statement from Citimortgage saying that we owe XXXX which looks like a balloon payment and its not, it is a fixed 20 year note. 


I spoke with Citimortgage on XXXX/XXXX/XXXX yesterday and the representative that I spoke with said they took out more interest than principal and I asked to speak to his manager and he put her on the phone and she said to me so the explanation he provided to me was not to my satisfactory and I said no and i would contact the COB and CFPB and she said she noted my account with that information as they were no help to me. He also said if we did n't have the {$15000.00} to pay this loan in full in XXXX that we would be directed to a special department who would arrange for payments which will look like it is in a default status and my husband and I have great credit ratings in the 700 score range and that would hurt our credit. Please investigate this as I believe all these years our account has not been handled properly and they applied more interest than what was suppose to be applied?
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a phone call from a person stating that they were from XXXX XXXX department and that there was an account that was associated with my name and social security number. They also stated that there were several bank accounts that were opened in my name. They apparently connected me to XXXX XXXX XXXX department and advised me to take money out of my account and open a digital wallet account in the amount of {$6600.00}. I proceeded as directed and was asked to go to XXXX XXXX XXXX XXXX Illinois XXXX to open a digital wallet. After returning home and calling the Bitcoin Depot customer service, there was no way that the account was able to be associated my personal information. The next morning, I called Bitcoin Depot customer service, and they advised that I was scammed. I have to go through social security through a long-drawn-out process to secure my identity and privacy. I also contacted the police and reported the fraudulent scam that I experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX Below is a letter from XXXX XXXX stating to contact the credit bureaus to remove this account. The account is still showing on my credit report
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency insists that I can not remove the inquiry from XXXX XXXX XXXX XXXX XXXX although it is in error.
Product: Credit reporting

Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY