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

On XX/XX/XXXX, I pulled my credit report and after going over I found out multiple a collections on it that I did not have any idea where they came from, at that time, I did not do anything, recently, on XX/XX/XXXX, I pulled my updated credit report and found out the following collection accounts XXXX XXXX XXXX, allegedly collecting on behalf of XXXX XXXX XXXX XXXX, with two alleged account numbers XXXX and XXXX with an alleged balance of {$1600.00} and {$6100.00} ; both accounts definitely do not belong to me. I have no other reason but to believe that I am a victim of Identity Theft. In the other hand, just a few weeks ago I received a collection letter from XXXX XXXX XXXX attorneys, trying to bring a judgment on me with an alleged account # XXXX, and they are trying to collect an alleged amount of {$6100.00} and/or any other amount. Looking forward to remove those accounts on my credit report, since I don't have any idea about those accounts that Experian and XXXX are reporting.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I can not express how frustrating it is to keep seeing mistakes on my report that are actively lowering my score. These errors are causing real harm, preventing me from securing better financial opportunities, and making it incredibly difficult to move forward.
Product: Mortgage

I received papers via mail XXXX-18 stating I was denied for a house loan {$92000.00} that was filed on XXXX-18. I never filed for a house loan or any other loan for that matter. I notified the company and they are pulling the call That was made and will be contacting me back. 

After filing a complaint with the company and speaking with someone they never contacted me back about the situation, then today XX/XX/XXXX I receive information stating I'm aware and basically realize that I did file the loan. No one still has not contacted me back about this to let me know anything that happened. I was told I would be receiving a call back once the call was pulled in which never happened. I want someone to explain to me what is going and why I am not being called about this? I did not consent to anything nor Have I filled any loans out online.
Product: Checking or savings account

I have a Citi XXXX XXXX account with Citi. This fall I transferred all of my funds from this account to my hometown bank. I called Citi and requested this account be closed. In fact, I have called multiple times and can only get through to a customer service rep on the credit card side. I also have a Citi Credit card account. Each time I've been told that they would pass my request to the banking side and that I would get the account closed. Citi does not offer an email nor texting solution for contacting their customer service department. Additionally, I sent a letter of request for account closer to Citi 's online banking contact address in XXXX XXXX, Texas. 
To date, this account remains open and I have a status of " XXXX '' because Citi has imposed the {$4.00} monthly charge because the account falls below minimum. 
In my letter, I asked Citi to waive their charge because I have tried my best to contact them and get the account closed. 
I don't want this matter to continue because at some point Citi may affect my XXXX XXXX which is high. Additionally, I owe nothing on my Citi credit card because I've had monthly auto payment. Greatly appreciate your assistance.
Product: Debt collection

On XX/XX/XXXX_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report.
This is a violation of both the FCRA and FDCPA Sec 809,
Product: Debt collection

I was contacted via text message to my personal cell phone number by a bill collector and told to call them. 
They addressed me by my first name and provided a number to call them but neglected to include in the body of the text message a simple and reasonable way to opt out of further communication with them. 

I believe that this is a very clear violation of FDCPA section 1006.6e. Because they broke FDCPA law I would be well within my rights to file a law suit against them. 

I have never heard of this company and have never done business with them either. If they insist that they purchased a debt that was in my name then they need to provide an official Purchase Agreement as poof rather than sending bills to my house. If they believe that some sort of bill of sale is verification they are wrong. The only official and legal verification that would hold up in a court of law is the actual, original Purchase Agreement. A bill of sale is a small portion of a larger document and thusly invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than ten different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an XXXX product, as Transunion, -- -it is difficult and time consuming to get a new report because I am blocked by Transunion in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on Transunion and do not want Transunion to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXX XXXX WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS XXXX. XXXX REPORT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XXXX/XXXX/20.  Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : ( XXXX ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This debt was recently purchased by one of my other complaints on XXXX XXXX  XXXX. I believe the current debt owner as well as XXXX XXXX XXXXXXXX are engaging in predatory, reckless, and illegal high interest loans as well as the selling or purchasing of them. I believe it is loan sharking.
Product: Student loan

I am a public defender and am going for pslf forgiveness. I am in my fourth year and I have had numerous issues with fedloan. This year, I did not submit my XXXX and and my IDR plan request in time according to my loan holder. I submitted it XXXX because XX/XX/XXXX is the first month in my yearly cycle. Fedloan stated that they needed {$1100.00} because the paperwork was untimely. I told them I did not have XXXX and told them not to withdraw. My loans were defaulted and interest was capitalized. On XX/XX/XXXX I called fedloan to see if the paperwork would be completed in time for me to make a XX/XX/XXXX payment. At this time I was told that the paperwork was incorrect because I had not skipped step 2, like I was supposed to. I mistakenly checked a box in step 2 requesting to be put on the cheapest payment plan. The fedloan rep had me upload another request to my digital inbox. The second request was uploaded. I did not modify this doc as it was generated from the dept of Ed site and had my name, signature, and request to have ibr recalculated all prepopulated. I was assured that this would be satisfactory. I called fedloan a week later because my loans were still in default and another XXXX was being requested for XX/XX/XXXX. This rep expressed concern that the request that I uploaded did not have identifying numbers on it. I explained that a rep walked me through the process and these were forms directly from the dept of Ed that were prepopulated. Eventually he agreed and said call next week. Yesterday I logged into my account. My account no longer shows default but shows that I am on a standard repayment plan and XXXX is due XX/XX/XXXX. I then called fedloan and talked to XXXX, XXXX. She told me that I filled out the request incorrectly. I explained that she must not be seeing the correct request. She then advised me to get on a repaye plan without ever explaining why I am on a standard plan and not on an ibr. She then told me that the second request wo n't work because it did not have a wet signature. She then told me that if I do not get a valid request submitted by XX/XX/XXXX That my XXXX would need to be resubmitted. I could not determine why the same XXXX doc would need to be resubmitted. Every time I call, I get a different answer. I asked to speak to a superior but was told that they all had left.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife opened a new account with XXXX XXXX at the beginning of XXXX. I noticed on my XXXX XXXX   report that there is a hard inquiry from XXXX XXXX which I did not authorize and is listed further as you see as utilities and fuel. I spoke with their customer solutions department and they too have confirmed that there has been no ties between I and XXXX XXXX including any new or old accounts, they did not have my social security on file nor do they now. They gave me this site to help rectify the problem so it can be removed from my report. Thank you. If you need additional info regarding this please contact me at XXXX XXXX XXXX
Product: Debt collection

Wells Fargo I am in to 10 of 24 payments to pay them off thrumy XXXX XXXX XXXX   program I simply want them to reflect my progress of paying them I have asked previously and on the countdown in resolving my debt which I am proud of my program in helping me thru my progress Thank freedom debt relief.I want Wells Fargo on my credit report to show paying off please!!!!
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized accounts and inquiries on my transunion, Equifax, and XXXX credit profile.
Product: Debt collection

National Credit System is trying to collect debt from me for a debt that I wasn't aware that I owed to my previous property where I lived. I am unsure of the debt because I settled in court with the previous landlord and was approved to break my lease as long as I was out by XX/XX/year> due to mold being in my water. When contacting the property they did not respond. I have reached out to the collection agency regarding information pertaining to the debt and have not received any information.
Product: Credit reporting or other personal consumer reports

Re : DEMAND FOR DELETION OF BANKRUPTCY REPORTING To Whom It May Concern : I am writing to formally demand the immediate deletion of a bankruptcy reporting from my credit report, as your agency has no legal or factual basis to continue reporting this information. Courts do not report bankruptcy information directly to credit reporting agencies, and inquiries with XXXX and XXXX confirm that they do not furnish such data to you. 

Your continued reporting of this information is both erroneous and a violation of consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all data reported must be accurate, verifiable, and not misleading.

This inaccuracy has caused me significant harm, including emotional distress, denial of credit, and the inability to secure essential resources necessary for daily life. The FCRA entitles me to demand that you verify the accuracy of the information in question. As you can not validate its accuracy through permissible sources, you are legally required to delete this erroneous data under 15 U.S.C. 1681i.

Furthermore, your continued negligence in maintaining the accuracy of your reporting demonstrates a reckless disregard for your obligations under the FCRA. This is especially egregious as you have been notified that no valid source, including the courts, directly furnishes the data to you.

I must remind you of your liability for both compensatory and punitive damages for willful non-compliance under 15 U.S.C. 1681n. If this matter is not resolved within [ 15 ] days of your receipt of this letter, I will have no alternative but to seek judicial relief, including filing a lawsuit for emotional distress and other damages caused by your unlawful practices.

This letter also serves as notice of my intent to pursue all remedies available under the law, including a jury trial, if necessary, to enforce my rights.

I demand written confirmation of the deletion of the bankruptcy reporting from my credit file within the specified time frame. Failure to comply will result in immediate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Pandemic I called Barclays and enrolled in the covid-19 relief program. I have two notices from them saying I was enrolled and XXXX saying my XXXX  was extended for XXXX  months on XX/XX/XXXX stating I did not have to pay for XXXX billing cycles. Despite this, Barclays reported to the Credit Bureaus a late payment in XXXX when I was clearly led to believe no payment needed to be made. This has significantly damaged my credit report and damaged my ability to get credit for my XXXX  including government relief programs.
Product: Debt collection

Quantum Collections had me sign some document of there for {$1000.00} dollars in late fees if I'm a date late. I was never sent nothing in the mail to dispute the bill. Quantum Collections. the original bill is {$480.00} which was owed to XXXX XXXX  XXXX XXXX. Quantum Collections had there own document for the extra {$1000.00} dollars.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

there is a mix up on my credit report my credit report a man by the name XXXX XXXX XXXX credit has been mixed together his middle initial is the only difference we both have the same social number and the credit company it 's giving me a hard time because Their security questions they ask I can not answer because they are the security questions for the other person I have nothing on my credit report and he has multiple loan and credit cards dating back from when I was only XXXX and XXXX years old I 'm stuck in the situation where I have nowhere else to turn I tried to send them proof to Equifax and I have not gotten a response. XXXX I have nothing on the credit score the only thing that 's on that Equifax XXXX is all the other guys information there are XXXX addresses listed on the personal information XXXX of them are addresses from Tennessee I have never been There XXXX of them being in XXXX XXXX which that XXXX is my old address he has taken out student loans unsecured loans and have had credit cards he 's using my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not mine XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have requested several times to have my personal information updated so that its accurate. I have provided proof to these companies that I was a victim of identity theft, I was a victim of several data breeches and provided documents multiple times. They still have yet to correct my information. My name is : XXXX XXXX My address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. Employer : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 3 accounts on my XXXX credit report that have incorrect information which leads me to believe the accounts are not mine. I have attempted to get them to delete the 3 accounts multiple times, yet they refuse. I have asked for verification of the debt, including the original application, and they have not provided it. All they do is change the balances which they allege I owe by a couple dollars, and subsequently push the reporting date out further. They stall, they manipulate and they continue to report these three accounts.

I don't know what else to do. 

The accounts are : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to address a series of violations committed by United Collection Bureau , Inc., including non-compliance with federal and state laws governing debt collection practices, consumer financial privacy, and data protection. 

1. Violation of the Gramm-Leach-Bliley Act ( GLBA ) United Collection Bureau, Inc. failed to provide me with a Consumer Financial Personal Privacy Policy Notice, as mandated under the GLBA. As a consumer, I have a right to be informed of how my personal financial information is collected, shared, and protected. Your failure to provide this notice is a clear breach of the GLBA requirements.

2. Non-Compliance with the New Jersey Data Privacy Act Your company has violated the New Jersey Data Privacy Act, which mandates the protection and secure handling of residents ' personal data. Your operations in New Jersey, despite lacking the proper licensing, registration, and bonding, exacerbate this breach. The New Jersey Data Privacy Act requires adherence to strict consumer privacy standards, which you have failed to meet.

3. Violations of the Fair Debt Collection Practices Act ( FDCPA ) United Collection Bureau , Inc. has engaged in several unlawful practices under the FDCPA, including : Harassment and Stalking : Your representatives have called me daily at my place of employment. Such behavior constitutes harassment, stalking, and a form of intimidation, which is expressly prohibited under the FDCPA.

Contacting Third Parties Without Permission : Your agents disclosed information about my debt to third parties without my consent. The FDCPA explicitly prohibits revealing a consumer 's debt to unauthorized third partiesl.

Continuous and Repeated Calls : Your frequent and repeated calls are a form of harassment, further violating the FDCPA 's standards for fair collection practices. 

XXXX. Unlicensed and Unregistered Operations in New Jersey United Collection Bureau , Inc. ( XXXX ID : XXXX ) is not licensed, registered, or bonded to conduct collection activities in the State of New Jersey. While your company may be authorized in XXXX XXXX, XXXX, XXXX, and XXXX, this does not grant you legal authority to operate in New Jersey. As such, all collection attempts in this state are unlawful.
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXXhere are the accounts that are fraudulent 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 /XXXX XXXX / XXXX XXXX