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

I hope this message finds you well. I am writing to formally address a violation of my privacy rights. I did not authorize the inclusion of this information on my credit report, and its presence constitutes a clear breach. This not only damages my reputation but also affects my creditworthiness, as it has resulted in the denial of new credit applications.

The negative impact on my credit score is unacceptable, and I hold your organization responsible for this negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled up my credit report on FREECREDITREPORT.COM.and it showed that I have a negative report on a old student loan. 

The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. 

The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed on my XXXX credit report a creditor, XXXX XXXX XXXX also know as Halsted Financial in collections in my credit report. I filed a dispute with all three credit report agencies, the FTC and Department of consumer affairs. As of today, XXXX XXXX I received an email from XXXX after their investigation that this XXXX XXXX, XXXX was removed from my credit report ( see attached documentation ). I received twice, SMS texts from Hasted Financial of the account with XXXX was placed with them and are trying to collect on this account thats been removed after an investigation. I opt in to ( stop ) communication on SMS and a response back was I successfully opt out of Text messages/ SMS text and would not longer receive such. That was on XX/XX/XXXX. Today, XX/XX/XXXX @ XXXX am I received another phone call to my cell XXXX which is also on the do not call list since XX/XX/XXXX. This company Halsted Financial , LLC is now violating, harassing and intimidating me for a debt that 1st I dont have with them and the original debt that they seem to have taken over from XXXX XXXX, XXXX was removed by XXXX XXXX XXXX directly from my dispute of not belonging to me. XXXX immediately after investigation, sent me a message in my email and experian credit report that the disputed item, XXXX XXXX also known as Halsted Financial, LLC was removed from my credit report. But, as of today, Halsted Financial LLC is still harassing me with phone call this morning @ XXXX am on XX/XX/XXXX. This is a direct violation and harassment by Halsted Financial, LLC and they need to be accountable
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights. A voicemail was left on my answering machine and they called frequently from a private number. They was rude and stalled against me, my rights were violated.
Product: Vehicle loan or lease

My car was repossessed and rhe amount to get the car back included {$2100.00} in just late fees. When asked about that amount Wells Fargo sent a report that showed late fees on every payment since 2017. ( Report attached ). The late fees were never once discussed or discovered until the repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX Make of car : XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced accounts and transactions. The XXXX dealership repossessed this vehicle in the State of Illinois on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of ( Illinois where the car was repossessed ) UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Sincerely, XXXX XXXX
Product: Mortgage

NewRez withdrew my property tazes from my escrow account on XX/XX/2020, for taxes due on XX/XX/2020. My county, as of XX/XX/2020 has yet to receive this tax payment. NewRez will not supply me with a copy of the check, they will not reissue the check, they will not verify with my county ( XXXX County, Colorado ) that payment has not been received. Upon further investigation, there are NUMEROUS homeowners in XXXX County who also have their property taxes missing from NewRez. 

Our homes are on the line and the bank will not assist. I was told by NewRez, on XX/XX/2020, when I received my first late bill from the county, that this issue would be resolved within 10 days. Not only has it not been resolved, but when I call NewRez, the reps I speak to state that the notes in my file concerning this issue state " No further action needed ''. This is deeply concerning and down right negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Based On, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the accounts which are duplicate entry on my Equifax credit report XXXX XXXX, XXXX XXXX.. If this account is a collection - no late payments and no past due amount, a collection is by default late, by default past due! This is absolutely ridiculous..I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These accounts include : XXXX XXXX XXXX for {$400.00} XXXX {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from Bank of America inquired on XX/XX/2023 XXXX. A home loan from XXXX XXXX XXXX inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. 

I need to dispute all of these and also place a freeze so my information is safe and protected going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this inaccurate account for over the past year via USPS Certified Mail. EOS CCA the information furnisher that's recorded by XXXX  records this account that Re-Ages every month when this collection agency falsely states that this account has been verified, this account is now Re-Aged to XX/XX/2021. This account still reports an inaccurate OPEN account status. This is unlawful reporting, delete this inaccurate account immediately because it is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter stating I was deceased from Phillips & Cohen. Then the they reported that I was deceased to the 3 credit bureaus. This is fraudulent information and I am not deceased. I have enlisted the services of an attorney and will be filing legal action of Phillips & Cohen doesn't contact each credit bureau and remove the " deceased '' comment from my credit files. 

Additionally, I'd like to know where they got the information that I was deceased? 

This seems to be illegal collection activity in an effort to collect a debt. Very shady.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance Owed : {$55.00} ; XXXX XXXXXXXX Balance Owed : {$74000.00}.
Product: Vehicle loan or lease

I have a loan for a XXXX  XXXX XXXX I've been driving for over a year. For most of the time I've owned it, its been set on autopay, but that fell off after I switched cards ( pretty sure I was paying with XXXX XXXX, but it may have been a bank account ). I ended up being behind on payments because of the switched card and had to spend nearly an hour on the phone with them because the website wouldn't let me pay online. Now the same thing has happened again over a month later and the website still won't let me pay online, but requires me to sit on the phone for an hour to just make a payment, all the while a late fee has been assessed and they call me once or twice a day including on weekends and holidays. They also make it impossible to talk to a person and make you jump through hoops with computers on the phone.
Product: Checking or savings account

Someone was able to get ahold of my debit card which gained them access into my bank account and ACH Clearinghouse Information. They were then able to make withdrawls, change my pin, purchasing over XXXXXXXX XXXX in crypto which was then laundered to other accohnts and crypto companies. Wells Fargo Data Brrach then impacted my account into the negative. I filed claims against the charges and fraudulent purchases. Wells Fargo then sent me letters to respond the charges but only after my account was drained completely and then CLOSED on me to " protect '' the bank. This resulted in my claims being rejected for two reasons : XXXX Letters requesting information arrived well after deadline provided to respond. 
XXXX. The account was closed prior to resolution of the recovery and resolution of the matter which resulted in nit only trapping my funds anegatively impacting the balances and locking me out of my accounts which resulted to over {$35000.00} stolen from my XXXX XXXX XXXX and Investment account. 
XXXX. After filing with local law enforcement, XXXX XXXX, SEC and XXXX XXXX my account opened since XXXX  was terminated for Wells Fargo " safety '' and never received any compensation for my losses despite FDIC and Consumer Federal Banking Protections which are designed to protect me. Instead they continued to issue me debit cards and sent two to addresses that were not even mine without consent. I formally am demanding the reimbursement of my full amount of funds stolen and siphoned from my accounts. I am willing to provide all necessary information and documentation that validates and substantiates my demand for action and assertions. Thank you, XXXX XXXX XXXX
Product: Credit reporting

These inquiries I did not authorize. 
Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX
Product: Debt collection

I signed a 24 month contact with XXXX  on XX/XX/XXXX the contact ended XX/XX/XXXX, They were supposed to Bill on the third of each month starting XX/XX/XXXX. XXXX instead billed me the XX/XX/XXXX because they said they would be billing a month in advance. After 3 months of service they increased the price and changed my billing date to the XXXX of the month. I still made all 24 payments and cancelled service. They wanted me to get a new contact for another 24 months at {$200.00} a month so I would not sign. called them took all their equipment back on the XXXX of XX/XX/XXXX they said I would get a {$29.00} dollar credit, but then they said I owe them because they bill in Advance, I sent them a copy of all XXXX I paid, now they are saying I own it For XXXX that would make me pay 25 months and if I hadnt paid XXXX why would they bill me {$200.00}, they have turned it over to A collection agency even though I sent them a copy of all payments. I did not have or use service after the 24 months. With that big jump in price
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) TransUnionshall 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identit
y theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I used an XXXX in which my health insurance covered and I paid the copay right then and there and now I believe this is the XXXX company that has somehow found out about that visit and is calling/mailing me for a collection of medical debt I never owed.I 've checked online with my insurance company and I do not owe any debt for it. Nor do I see any of this " debt '' on my credit report. I 'm not a person that typically likes to owe money to anything so it 's very weird that I keep getting these past due balance letters and calls. So I can only assume this is a very realistic scam.