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

Be advised this is not a refusal to pay, but notice that the XXXX XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt say XXXX XXXX XXXX says I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. 
Account is XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct reasonable re-investigation of disputed information credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( cfpb ). Has recently filed a lawsuit.against Experian alleging systemic issues failing to forward consumer provider evidence to furnishes accepting unreliable response and failing to adequately notify consumers of dispute outcomes.these align with my experience has neither correct or remove causing ongoing harm to my credit due to me submitted I was victim of Idenity theft of a data breach I am requesting immediate corrective actions to remove the disputes experian inactions violates federal laws and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number ( Transunion XXXX XXXX ( XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX Acoount number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX have 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 1, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I went to open a bank account with XXXX XXXX, but I was denied because I was in Chex system. When I requested the reason why I was denied by the teller and told it was because I had an outstanding balance with XXXX XXXX. XXXX XXXXchex system never notified me that they were going to report this information to any consumer reporting agency and the information they reported is not completely accurate per the FCRA. I am a XXXX XXXX who needs my bank account to receive funds to take care of my family. The denial is hindering me from caring for my family. failure to remove this info will result in me seeking legal remedy
Product: Credit reporting or other personal consumer reports

I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX  on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of XXXX5 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, XXXX, Experian ) of the violations Pro Collect conducted and requested the three major credit reporting agencies, XXXX, XXXX, Experian to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted XXXX  and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted XXXX  for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. XXXX has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company numerous times to either report the correct information every month to the credit bureaus or REMOVE THE ACCOUNT. They have not done either. I am trying to get qualified for a mortgage and what they have showing on my credit report is inaccurate. This company have not updated my report since XX/XX/2017 I have attached document to show proof. The company i pay every month is XXXX XXXX XXXX and my guess is Western Shamrock or XXXX XXXX is the parent company .Either way i want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as an account " XXXX XXXX XXXX '' listed as an open account. 
The account was CLOSED XX/XX/2016. 
This is INACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

ATTENTION TO PNC BANK, XXXX, XXXX, and XXXX This complaint is in reference to a PNC BANK auto loan that has been tendered and paid in full but is reporting discrepancies to my credit report and also not reporting that the account has been paid in full Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to PNC BANK, XXXX, XXXX, and XXXX written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX, XXXX, XXXX and also PNC BANK should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus and PNC BANK. All the credit bureaus are reporting different dates of accounts being open, different loan balances, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. PNC BANK is reporting Late Payments from XX/XX/XXXX up until XX/XX/XXXX. These late payments are reporting to XXXX, XXXX, and XXXX with discrepancies, they all report different information, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with PNC BANK that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report on my credit file. PNC BANK can't disclose my information and the credit bureaus can't report it. They both owe for compensation. PNC BANK also has remarked my credit report with a REPOSSESION/REDEEMED note and it is reporting on all three credit bureaus also in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of PNC BANK disclosing my information under 15 USC 6802. I am also invoking my right to opt of XXXX, XXXX, and XXXX reporting my personal information also under 15 USC 6802, as in credit utilization and payment history, which is inaccurate falling under 15 USC 1681. I have a suffered behind these unlawful acts by PNC BANK, XXXX, XXXX, and XXXX as it has impacted my credit score unlawfully and needs to be. resolved immediately by removing the information from the credit report and also cease the reporting.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$630.00} XXXX XXXXXXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX Balance {$5000.00} XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Checking or savings account

Wednesday XX/XX/XXXX my rent payment of {$2000.00} was returned and I was notified by my rental company. I called frost bank and they said that because my balance at the time was around $ XXXX ( I cant remember exact amount ) the payment was not covered. I have overdrawn by much more and been covered in the past, however when I notified the rep of this he said it was a fluctuating number that they would cover and it changed and could not be fixed. I am being charged a {$190.00} late fee and a NSF fee of {$65.00} for something that should have been covered. I signed up for this account because they advertise it as having no overdraft fee for any overdraft under {$100.00} so why was my payment not covered?! I also received zero communication from frost bank about the rejection in the first place which is unprofessional and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, a third party debt collection company called XXXX XXXX XXXX flagged my Equifax credit report with an invalid and inaccurate account # XXXX for an unpaid debt of {$230.00}. This to me, is very unfamiliar. Ive never done business with this company. I believe they have the wrong person. They are reporting false information which is hindering my credit report. According to the FCRA, I have the right to ask for proper verification of this account listed with physical verification which I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one in XXXX Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXX 's XXXX of XXXX, Kansas Phone XXXX, I also did disputes on XXXX XXXX, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!
Product: Credit reporting or other personal consumer reports

I am sending to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly.

1. Incorrect Name Please update my file to reflect my correct full legal name, and remove any incorrect names that may have been mistakenly associated with my credit profile, including : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. Incorrect Addresses Please delete all addresses that do not belong to me, as I do not have access to or receive mail at these locations. The following outdated addresses should be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, all credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Mortgage

Back in XXXX I was laid off after 20 years at my job, I became XXXX XXXX and struggle for about 2 years after. I believe at the end of XXXX I became past due on my mortgage about 3 payments. I recently took a good look at my mortgage statements and realized that most of my payment is going to interest so I looked at my loan note and realized my name is not even on my note, I borrowed $ XXXX on XX/XX/XXXX with a 30 year fix mortgage with a maturity date of XXXX/XXXX/XXXX that means I have been paying on it for 11 years and my principal balance has only gone down $ XXXX, so I decided to call my mortgage lender and they informed me in XX/XX/XXXX I received a modification ( I honestly don't recall signing any documents ) and they said my term was extended 14 extra years ( for 3 past due payments ) meaning my maturity date it is now XXXX/XXXX/XXXX but yet my payment are still the same as my original note. I have been requesting copies of my signed modification documents to no avail, my current lender is New Rez when I called them for copies they referred me to XXXX XXXX XXXX XXXX from Shell Point Mortgage Services I talked to her and she said she does not have them to contact my lender via email I sent an email to XXXX I have not heard from anyone. I desperate need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through experian 's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting

I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made effort after effort to contact Experian ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.
Product: Checking or savings account

On XX/XX/2022, I opened my Citibank app to check my balance. As the balance seemed low, I looked at the detailed transcations and saw that six checks had been cashed on XX/XX/2022. There were five checks in the amount of {$130.00} each and one check for {$400.00}, for a total of {$1000.00}. All of these checks I had written to one vendor and were dated mostly from XXXX 2022. All of these checks had already been previously cashed by Citibank and Citibank erroneously cashed them twice. 

Upon noticing this and confirming that indeed these checks had already been cashed, I contacted Citibank 's fraud line. I was told that yes the checks were erroneously cashed twice and they would start an investigation. I was given the following reference number XXXX. Since then, I have reached out to Citibank on multiple occassions but always with the same response that the issue is still under investigation. More than six weeks have passed and I still have not had the funds re-deposited in my account from what seems to be a very straight forward issue. 

I am attaching a snapshot of my transaction statement showing the checks cashed in XXXX and an earlier statement showing that they had already been previosuly cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 requesting verification of a late payment showing on my credit report for that account. The company did not send any reply within the 30 days allowed by law. They are now in violation of FCRA for failure to report accurate information.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$2000.00} XXXX  XXXX - XX/XX/year> Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the discovery of fraudulent accounts on my recent credit report. It has come to my attention that these erroneous entries are adversely impacting my creditworthiness and impeding my ability to access credit facilities. Therefore, I kindly request the immediate removal of these accounts from my credit report. 

Attached is my identification and a sworn affidavit for proof of identification.