23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative pay status hurting my credit and its been paid a year ago. Its a medical bill that wasnt paid, and went to collection. So its listed as " Other '' and not medical.
Product: Mortgage

I applied for both a home and business loan through Wells Fargo Bank on XXXX different occasions. I did this because Wells Fargo was my bank for checking and savings for over 4 years. I am claiming discrimination, my credit was XXXX and I was making okay income. I found out that applicants of different ethnicities received loans with equal and lower credit scores and income. I am suing for $ XXXX, the costs of the home loan, and $ XXXX, the cost of of the business loan. Thank you.
Product: Debt collection

I have spoken to this debt collection company and advised them this account is disputed and even provided my correct mailing address. I have never received any documentation from them, They had an incorrect address for me, somewhere I lived years ago. I was told this is a payday loan that was taken out online but they have not provided me any documentation to validate there claim.
Product: Credit card

Since filing for mortgage assistance several years ago, my personal credit was wiped out starting with XXXX XXXX XXXX as my mortgage holder. The only credit card I currently have is Discover. I received a letter from them two months ago stating that they would not be renewing my card which expires in XX/XX/XXXX. I was fine with that. I have been paying XXXX the required amount for some time now. I was watching my Fico score ( which they provide for free ) go from XXXX to XXXX. I received an email today stating they were increasing my limit by {$800.00}. By doing so, it DECREASED my Fico back to XXXX. I never asked for this limit increase and why would they do this if their plan is to terminate my account? 
I was not expecting my business to fail in XX/XX/XXXX nor was I expecting my signed XXXX contracts with my customers to fail. I believe this is a fraudulent tactic on the part of Discover ( who is tied to XXXX who also terminated all my other accounts ) to keep me from ever being able to rebuild my credit. I refuse to use their card again and will pay them off as quickly as possible.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the lack of responsibility on your part. When will Credit Bureaus correct the erroneous information on my personal credit file? My requests have been ignored for months. Please stop the delay tactics and correct the following accounts immediately : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$2400.00}. As a consumer, I am protected by law from having misinformation reported on my credit file. At this point, I am requesting another review before consulting my legal counsel on how to address these incorrect and unverifiable accounts. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as required by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Debt collection

I received a letter from an attorney stating that Portfolio Recovery associates LLC. has a lawsuit against me. I have never worked with Portfolio Recovery llc, before. I started doing research and noticed that they report a month term of service with a {$1000.00} balance, since they've received or had the debt open. 

I have been receiving several calls per day from this company, back to back all hours in the morning and night ; However, never a letter regarding the debt owed until a lawyer reached out to me and informed me that had a lawsuit against me. I believe this is regarding an old XXXX bill from XXXX years ago that was disputed as not my bill, and after investigation with all XXXX credit bureau reporting Agencies, they removed it from my report. If it was removed by the original company and deemed that this was not my bill why is portfolio recovery suing me. 

After doing thorough investigation I have found : This company is known for Collecting debts without a reasonable basis, Selling debt, Threatening or filing collection lawsuits without an intent to prove the debt, Filing false or misleading affidavits in debt-collection actions, Making false or misleading representations, and Collecting or suing on debt that was outside the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}
Product: Checking or savings account

I am writing to dispute the following information that is on my report. I have contacted the banks to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my Chex systems report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, [ Your name ] Enclosures : Social, ID, Identity Theft report
Product: Payday loan, title loan, or personal loan

So I had a vehicle with TD Auto Finance and that vehicle was lost due to a fire and the vehicle was a total loss. My insurance had told me they were going to pay off the rest of the car for me because I wasnt done paying it off. The months I was waiting for the insurance popped up on my credit as missing payments even though they had said they would pay it off and I just wanted to get those 2 missing payments off my report because I have never missed a payment.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT ACCOUNT XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECCION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SWCTION 2 : IT ALSO STATES A CONSUMER PEPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracies and issues I have identified in my credit report provided by Experian. They responded to me online that the accounts would not change and stay on my report. These errors may constitute violations of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure accurate reporting and thorough investigations of consumer disputes. I reference the recent Consumer Financial Protection Bureau ( CFPB ) actions against credit reporting agencies, which highlighted systemic failures in dispute resolution processes. 

The specific inaccuracies I am disputing are as follows : XXXX. Experian did not provide me proof of debt validation or proof of how they verified the account accurately belongs to me. 
I know Experian did not properly investigate these accounts. That is clear violation of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In my attempt to correct inaccuracies reported by ; XXXX, Equifax, and XXXX, all three have failed to do so as regards the correct spelling of my name, the address at which I live, phone numbers that don't belong to me, an incorrect social security number listed by XXXX, unauthorized hard inquiries, re -insertions of an alleged debt made by XXXX XXXX of {XXXX} and reported by various collection agencies - once by XXXX XXXX and XXXX XXXX and now by a company referred to as XXXX.According to the date of the report by XXXX  , it appears that my right regarding the five day notification law was side-stepped by entering the date of report as XXXX - actual date not shown. I also made mention of the accuracy of the bankruptcy statement mentioned, whereas their reports show that the bankruptcy information came from the court. 
The date of my first attempt to correct matters was made by certified mail datedXX/XX/XXXX, which was sent to all mentioned credit bureaus. I followed with a second and third letter because in each case, their response was 'we have re-investigated and the reports were verified. ' My request for correction/deletion was ignored in that I asked for their method of verification to be shown in detail ; how was it verified, what was shown, was there documents shown bearing my signature of authorization, people who verified the information, their names, address and phone numbers - none of which was provided in the results of their investigations. 
In making my request, I provided proof of the correct spelling of name ; correct address, social security number, and a letter from the court stating that they do Not conduct any activities with credit bureaus.I provided copies of my drivers license ; social security card, mail with my correct address.I even reminded them of some the FCRA and FDCPA laws that apply. I mentioned filing a complaint with these protection agencies, the state 's Attorney 's office, the XXXX XXXX XXXX, and even my considering a small claims action against their company. To this day I am still trying to get these matters corrected.
Product: Checking or savings account

XX/XX/XXXX - my account was closed due to a deposit account agreement I called and ask what I needed to re open my account .they ask for documents like my id and social security number I provided them With it. 

XX/XX/XXXX - I called again to see if they had received the documents they said they did and still received the same email that my account was closed, so again I provided them with the documents was told to wait 24 hours for my account to be resolved. 

XX/XX/XXXX- waited the 24 hours to call again, and again was told that my account was being looked at and that it will be resolved in 24 hours. 

XX/XX/XXXX -I call again to see if anything was resolved they would tell me that they have to send my account was sent to other crew member to get resolved and again was told that they had everything to get it re opened.

Now theyre telling me that I have to wait for 30 days until I get my money back my concern is that in that account I have all my money now Im sitting with XXXX  kids and no access to my own money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX : Inquiry date XX/XX/XXXX XXXX  XXXX NA- Inquiry date XX/XX/XXXX XXXX  RETAIL CARD SERVICE-Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX BANK -Inquiry date XX/XX/XXXX XXXX BUSINESS CRED-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX CO XXXX CARD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Email : XXXXXXXXXXXX Cellphone : XXXX
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 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 recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXXXXXX XXXX Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX   and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get my credit report updated. The last dispute was XX/XX/XXXX. The results were once again deemed as accurate. This account from XXXX XXXX  has not been updated since XX/XX/XXXX and is now charged off. However, this account is still showing as open and this is adversely affecting my credit score. I have contacted XXXX XXXX on several occasions as well. They indicated that the account was sold to XXXX XXXX. This was never updated on my credit report and is still showing open and owned by XXXX XXXX. I have tried repeatedly to have this corrected and this has yet to be done by Transunion.