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

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still some accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I received a letter in the mail from a company ( AFNI ) of which I had no prior associations with, alleging that I have an account with them and owed money. I sent a letter via certified mail on XX/XX/22 asking for validation of this alleged debt & I have yet to have had a response. This company is causing distress, harming my reputation & affecting my credit worthiness.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 card or prepaid card

On XX/XX/2019, I filled out an online application for a Lowes credit card. The website directed me to call in to complete the application and provided a reference number : XXXX. When I called in I was asked for my physical address since I provided a PO Box for the application and the financial institution is required to have a physical address on file. I provided my address but emphasized that there is no mail delivery at the address and that my PO Box would need to be used for everything - the physical address is only for their records. The representative said he understood. After he ran my credit he said my application was denied and that they would be mailing me a letter with the reason. 
On XX/XX/XXXX I received an email asking me to click on a link, provide my reference number, and verify some personal information to access the response. I was able to provide the information and authenticate but the page that came up was blank ( I was accessing it from my mobile device as I do not have another computer ). I found a computer I could use to access the letter and it said I was declined because the address provided did not match my credit report. 
On XX/XX/XXXX, I called them back to ask if they could rerun my credit using my PO Box . Since I don't get mail at my physical address it doesn't appear on my credit report anywhere and can not be verified that way. After speaking with a supervisor I was informed that federal regulations require that they be able to verify my physical address, and that they can only do so using a credit report. 
I find this to be a discriminatory practice. People living in rural areas who do not receive mail at a physical address are disproportionately affected by requiring that their physical address be available on their credit report when creditors report information using the address they mail statements and notices to. Also, a consumer has very little control over what a creditor reports to the credit bureaus, and no way besides a dispute to add or update information that the credit bureaus have on file. 
In short, I don't get mail here, I can't tell the credit bureaus that I live here, my creditors don't provide my physical address to the credit bureaus, and Synchrony Bank won't validate a physical address by any means other an inquiry to the credit bureaus. I have been denied credit because I live in a rural area and don't have mail delivery at home.
Product: Debt collection

Machol and Johannas never served me papers complaint or summons regarding the judgment they put against me. they said they served a XXXX year old XXXX XXXX XXXX. I have no idea who they actually served. Being I am a female, single mother, my child is a female  as well and she's only XXXX. No one else lives or resides in my household. So again I have no idea who they actually served if they served anybody at all. They took away my right to resolve this issue. According to the Fair Debt Collections Practices Act if a collection agency has sued you without giving you the mandatory 30 day notice to dispute the validity of a debt then that is a violation of the Fair Debt Collections Practices Act. If the collection agency or collection attorney never allowed you to dispute the debt upon receiving their first notice, then the judgment would be entered in error. They put a hold on my bank account and are now trying to garnish my wages at my work. When you call to talk to someone no one answers nor do they call you back, they don't respond to emails, or complaint emails submitted to the business. This is very unprofessional and is bad business. With all these complaints why are they even still in business?
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 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account NumberXXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit card

I am using my AMEX for the company that I am working for, I will attached the email that I received from Finance Controller confirming this. I am behind on payment to AMEX while I am waiting for the Reimbursement from the company. Amex has been calling my phone asking for my sons for payment. I am the primary card holder but they are reporting this delinquent to their credit reports. I am also attaching the statement confirming they have XXXX transaction in 2015. They are only subsidiary card holders and should not be responsible for the delinquent of this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Division XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC # : XXXX Dear Experian Credit Bureau , My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with Experian, fraudulent accounts remain on my report, contributing to a significant decline in my credit score, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint ( FTC # : XXXX ) and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

Fraudulent Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is your legal obligation to correct these inaccuracies. Case law such as XXXX v. Experian Information Solutions , Inc. and XXXX v. Experian affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. Experians failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

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

Hello these companies has been reporting fraudulent accounts. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX XXXX {$0.00} Opened Date XX/XX/2017 2017
Product: Money transfer, virtual currency, or money service

A PERSON RENTING A ROOM FROM ME PAID RENT ON XX/XX/20 FOR {$500.00} AND TWO DAYS LATER SHE PAID {$50.00} TWO TIMES FOR A TOTAL OF {$600.00} FOR THE MONTH OF XXXX ON THE XXXX OF XXXX WHILE I WAS AT THE BANK MAKEING A WITHDRAW A TEXT CAME THRU SAYING THAT MY ACCOUNT WAS BEING DEBTED FOR {$500.00} REFUNDING TO RENTER CASH APP TOOK {$500.00} FROM MY XXXX PAYMENT THAT WAS DEPOSITED THAT DAY CASH APP CLAIMS THE PERSON DISPUTED THIS WITH THEIR BANK AND CASH APP IS REFUNDING THEIR MONEY CASH APP PROVIEDS NO INFO AS THE THE NAME OF THE BANK AND THE REASON THEY DISPUTED THIS ALLOWS PEOPLE TO SCAM CONSUMERS CAUSING HARM TO THE PUBLIC A PERSON CAN RENT BUY OR HAVE SERVICES PAY FOR IT THEN LIE TO THEIR BANK AND SAY ITS FRAUD AND GET THE MONEY BACK WITH THE CO NSUMER BEING SCAMED AND CASH APP TELLS YOU TO DEAL WITH THE SENDER THE SENDER IS BEING EVICTED SHE CLAIMS CASH APP ACCOUNT IS HERS BUT GIRLFRIEND HAS HER EMAIL ON IT AND THE BANK CARD BELONGS TO SOMEONE ELSE SO ALL THEY HAVE TO DO IS DISPUTE THE RENT PAYMENT FOR {$600.00} FOR XXXX AND CASH APP JUST LIKE THAT WILL TAKE THE MONEY FROM ME CAUSING MY ACCOUT TO BE NEGATIVE THIS IS A UNFAIR AND DECEPTIVE ACT BEING ENABLED BY CASH APP HOW MANY PEOPLE HAS THIS HAPPENED TOTHIS IS CAUSING HARM TO CONSUMERS AND THE PUBLIC EVERYWHERE CASH APP HAS RECOMENDED I SEEK LEGAL ADVICE OUTSIDE CASH APP SOUND LIKE SOMEONE NEEDS TO LOOK AT CASH APP THEY ARE ALLOWING FRAUD NOT INVESTAGATING MY CLAIMS JUST THREAING ME WITH EXCESSIVE DISPUTES WILL CLOSE MY ACCOUNT, ,I 'VE BEED SCAMED A FALSE DISPUTE FILED AGAINST ME AND YOU TREATEN ME ADVISING ME TO DEAL WITH THE SENDER, PEOPLE THAT YOU RECIEVE CASH APP FROM MAY NO BE FRIEND OR FAMILY SO HOW CAN A COMPANY TELL YOU TO DEAL WITH THE PERSON THAT USED CASH APP TO SCAM ME TO RESOLVE ANY ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank approved my loan modification agreement on XX/XX/XXXX This began a three month trial period in which each required payment of {$2600.00} was made on time. During this time the Bank notified the Credit Bureus that my payments to the original mortgage were not being made which lowered both my wife and my credit score by XXXX points! 
I was never informed this would happen and only found out checking my credit. The loan modification approval happened on XX/XX/XXXX with all required signatures dated XX/XX/XXXX. Now after repeated letters to US Bank and many phone calls requesting the Bank properly notify Credit Agencies no such action has happened. Both my time and XXXX on my wife and I in not bending able to move forward with new financial matters is why I request your assistance.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Professional Debt Me Account # XXXX date opened XX/XX/XXXX bal. {$5600.00}, XXXX Management Service Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX********* date opened XX/XX/XXXX bal ;. {$1200.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX Intl In Account # XXXX date opened XX/XX/XXXX XXXX {$93.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$41.00}. Inquiries : XXXX XXXX XXXX, culs, carvana, flagship cre, XXXX, 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I have been filing complaints to correct my address, my phone number and my email... Nothing gets done The only company that I am able to log onto the website and see my report is Transunion. 

XXXX I have called for months, AI prompt will not allow you to speak to an agent and being that they do not have my correct phone number listed I can not recieve the code for verification. 

XXXX you speak to agents they have to send you a link to upload your License and take a selfie, which works, but then they say they cant verify me because my phone number. I have tried, been patient and I am getting the run around. PLEASE PLEASE PLEASE UPDATE MY INFORMATION SO THAT I MAY LOG INOT MY ACCOUNTS NAME : XXXX XXXX XXXX PHONES : XXXX OR XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX EMAIL I AM CHANGING SO THAT I CAN START A CLEAN SLATE XXXX this is a draining process. I have tried and tried to get into my accounts with no success. 


XXXX EVEN ACKNOWLEDGES THAT IT RECEIVED DOCUMENTS IN XX/XX/year> FROM CFPB BUT WONT UPDATE MY ACCOUNT
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade.com is calling to finalize an approved loan. It is a home improvement loan, so I have to approve a payment to the contractor. I cant approve over the phone but must login to their website. Regardless they are calling and asking for personal information like my social security number to verify me. They refuse to accept it is a wrong practice to initiate an outbound call and ask for personal information. They are mimicking the behavior of fraudsters.
Product: Debt collection

Macy 's corporate office XXXX XXXX XXXX XXXX XXXX, OH XXXX and and XXXX XXXX XXXX collection agency TO STOP AND DECEASE from harassing me for an account I know nothing about. A negative amount balance of {$1600.00} has been erroneously reported on my credit report for more than 7 years. 

Its a Disgrace how These multimillion dollar companies and collection agencies come after the those working poor and/or the unemployed. The credit report stated I open the store account on XX/XX/2022. 

I have not open any store account during the entire year of 2022 prior or after.
Product: Debt collection

I lived in XXXX XXXX, Iowa in XXXX. I incurred debt to XXXX  XXXX  XXXX  during my time there. Diversified Adjustments is a debt collector agency which claims my debt is from 2019! This is clearly in error and against the law to show on my report. XXXX  does not show this mark account at all. I will even concede that I still owe even though I know I paid this. I must have lost the receipt. Please honor logic and change the account open date to sometime close to when I lived in XXXX  XXXX  XXXX.