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

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec.  605, 609, and 623. On  top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from  Original Creditor and  XXXX ,  XXXX ,  XXXX , with is in violat ion of the law ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my account and noticed that my account was in a derogatory status, when the account was settled for less and satisfied before the date of charge off. 

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

I worked hard to get my credit score to XXXX. I finally had excellent feedback, no issues On my credit report I was encouraged to increase available credit while keeping balances low. I applied for a XXXXXXXX XXXX XXXX XXXX  and due to my score was approved immediately with a low limit of {$500.00}. Within XXXXXXXX XXXX  my credit score dropped almost XXXX XXXX I contacted Equifax on XXXX to question why it dropped so low and just received back communication - XXXX XXXXXXXX which shows total lines of credit XXXX and credit utilization 2 % There is no explanation why my score dropped to XXXX. Why was I encouraged by this very organization to increase line of available credit, then penalized XXXX XXXX  when I did. 
I am looking to move in the next few months and this now will hurt me. 
Please help My email address I used to file the dispute with Equifax is - XXXX XXXX
Product: Credit card

I requested the last payment made to this company and they failed to provide it to me. Not the last payment made to XXXX XXXX  agency that they sold the debt too I need the last payment ever made to them before it went to collections. It should have been in XXXX of XXXX. Please send requested information so I can verify the last date of first delinquency. If can not provide I request this account be removed from my credit report immediately. 

Account number : XXXX
Product: Debt collection

XXXX is not mine, and ARS is insisting it is mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I have confirmed that these accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request their immediate removal. 
Fraudulent Accounts : DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are two business accounts with Chase that were never reported to my personal profile, suddenly after having a 60-day late remark they decided to report it to my personal profile and this is now causing me severe damage while applying for a mortgage. 

The whole late remark was in direct result of covid 19 which Chase admits of having participated in the CARES act at the time. However, as per their terms, I was supposed to request it which I wasn't capable of doing at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some unauthorized inquiries on my Transunion report that are not mine and I dont recognize them. Everytime I send disputes. It always come back verified or accurate. The creditors and credit Bureaus can never tell me what Method of verification was used. On top of that. Its No proof or contracts of anything showing my signature. I almost feel like they just use the XXXX and thats it. Please help me get these inquiries removed. They are stopping me from obtaining credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX {$11000.00} XXXX XXXX {$14000.00} XXXX   XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT DO NOT BELON TO ME. I FILED A COMPLANIT WITH FTC REPORT, CONCERNIN TE ITEMS THAT IS LISTED. THE ADDRESS LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a mortgage that was serviced by AmeriHome mortgage. The mortgage was paid off with AmeriHome after I refinanced on XX/XX/2021. By the time of the pay off, there were {$5000.00} remaining in the escrow account, managed by AmeriHome and I'm expecting to get that balance amount refunded to me via mail. I initially received a check for it in XX/XX/2021 but that check was voided when I deposit. So I reached out to AmeriHome asking for reason and for a valid check to be sent to me again. Same thing happened to the second check they mailed to me in XXXX. So I reached out to AmeriHome again and ask them to make sure check won't be voided when they send me for the third time. I have not received a check yet since I communicated with them the last time ( over 2 weeks ago ). There is {$12.00} penalty from my bank every time a check is voided, so up till now I've got {$24.00} penalty for this issue. I really need to make sure this money get refunded to me because our family needs it during this hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX appears on my Transunion credit report after I've notify Transunion of the multiple inaccuracies and Unverifiable information currently being reported. 

Name & address on debt be collected could be inaccurate and Unverifiable, a violation of FCRA rules section 1681 Account balance and payment history might be incomplete and inaccurate a violation of FCRA rules section 1681 Date of last activity could be inconsistent and inaccurate a violation of FCRA rules section 1681
Product: Debt collection

Investment Retrievers did a hard inquiry on my credit report without my authorization. It was listed as a hard inquiry for an installment loan. I did not contact them nor authorized them to run my credit. This will impact my credit score negatively.
Product: Debt collection

This acct had been investigation by XXXX and removed it under XXXX. XXXX XXXX 2014. I would it removed as soon as possible. Thank you so much.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding Citibank 's recent closure of my credit account without notice. I discovered this when I received an alert from XXXX that my account had been closed. 

I have been a Citibank customer for several years and have always paid my bills on time. I have never been notified of any issues with my account or any reason why my account would be closed. I am extremely disappointed that Citibank would take such action without notifying me in advance. 

I have attempted to contact Citibank customer service to inquire about the reason for the account closure, but have not received any clear explanation or resolution. This has caused me significant inconvenience and potential harm to my credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and work with Citibank to resolve this issue as soon as possible. I believe that Citibank 's actions are unfair and unjustified, and I deserve to be provided with a clear explanation and a fair resolution. 

Thank you for your assistance in this matter. 

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

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I do not owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes does not have my consent to furnish my Consumer report or share information with anyone. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX  XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX-XXXX  Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.
Product: Checking or savings account

I deposited an insurance claim check from XXXX for {$27000.00} on XX/XX/XXXX at a Bank of Albuquerque ATM. The problem was the check was improperly endorsed. XXXX XXXX did not endorse the check. The check cleared but monies have not been made available to me. XXXX XXXX will not accept copy of check. They need an original check. Bank of Albuquerque will not release funds unless another check is sent from XXXX. XXXX will not send another check until the funds are returned to them. No action has been taken by Bank of Albuquerque since XX/XX/XXXX. I have tried several times with all three companies but to no avail
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I tried to meet a lady I came across on a social media platform in person. I was deceived into thinking I was about to have a legitimate date with her. At the time, the person possessed my cell phone number and personal information on my XXXX account. Before our supposed meeting, she demanded {$1000.00} in the form of XXXX gift cards, stating that she wanted to ensure her safety and would return this money if she felt safe around me. Because our shared nationality as XXXX and previous interactions created an illusion of trust, I believed her and satisfied her demand. I took photos of the purchased gift cards and sent them to her. Little did I know it was a criminal theme to defraud me. Shortly, a XXXXXXXX XXXX called me and claimed he was responsible for the lady 's safety and demanded an additional {$2200.00}. This time, I refused to give this amount of money. Then he started to make threats of physical harm and abduction to coerce me to comply with his demand. He claimed that he possessed my personal information and was able to locate me. I believed his threats were credible and feared for my safety. As a result, I was forced to transfer the {$2200.00} in the form of XXXX gift cards and XXXX transfers. When he demanded even more, I realized it was beyond my financial capacity to comply any further, and I decided to cut off the contact and ignore any further threats or harassment either through calls or text messages. In sum, the entire event caused me to lose {$3200.00}. All transactions were conducted through Chase Bank, and the bank authorized my transfers. Later, I filed written complaints with Chase Bank. Chase Bank declined to compensate me for my financial loss.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Debt collection

Exeter Finance LLC sold my debt to a third party debt collector. The letter stated this new third party would be the sole entity to accept payments for this debt. For the last XXXX months, Exeter has been attempting to charge a card I had on file with them to receive payment on an account they no longer hold. I have contacted them twice via email about the situation and was just told " thank you, your account will be updated to reflect as such ''. XXXX, around XXXX, they attempted to charge my card again. This account was charged off to bad debt XX/XX/XXXX and purchased by another lender. Having worked for collections attorneys, I know this practice is illegal. 
Exeter Finance LLC XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Violated my PRIVACY RIGHTS as a federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 and the right to opt out Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three collections show past due 120 days, this is a violation and should be deleted for inaccurate
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRI INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROV.

COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The intractions are as rollows : + Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
804 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certitied mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter from Ability Recovery Services on XX/XX/year> stating they are trying to collect for a debt to XXXX XXXX XXXX for the amount of {$580.00}. I contacted XXXX XXXX that is part of XXXX XXXX XXXX, and was told there is a XXXX balance that all bill were paid. I then requested proof of payment in which I included and sent back to Ability Recovery. I then received another letter on XX/XX/year>, so I called and asked to speak with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as per the directions on the letter. I spoke to XXXX, who refused to let me talk to XXXX, I them obtained permission to record our phone conversation. I advised her that the there is no monies owed, she looked in her computer and said that XXXX XXXX is a different eternity than XXXX XXXX... which in fact is not true, they are XXXX in the same. I then asked XXXX to prove what debt I owe, which she could not and kept saying that XXXX and XXXX XXXX are not the same. When you google them it is the same, and I told her that it is her job to prove that they have a valid debt. She became belligerent. Neither of the invoices I have from the date and place of the incident match up with the amount they are supposedly trying to collect either. Now they placed a collection on all three credit bureaus for {$2500.00} which does not match their original letter or any of my invoices from XXXX XXXX.
Product: Debt collection

RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT ON A DEBT THATS NOT EVEN MINE, THEY IN TURN PURCHASED IT FROM ANOTHER DEBT COLLECTOR XXXX XXXX XXXX, THEIR REFERENCE NUMER IS XXXX FOR A BALANCE OF XXXX. THEY CLAIM THE ACCOUNT ORIGINATED FROM XXXX, WHICH IVE NEVER HAD AN ACCOUNT WITH. THEY ARE THREATENING LEGAL ACTION, OF WHICH THEY CANT COLLECT ANYTHING BECAUSE XXXX  ON SSXXXX WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM DEMANDING A VALIDATION LETTER WHICH I AM ENTITLED TO WITHIN 5 BUSINESS DAYS. I ALSO WANT THEM TO STOP CONTACTING ME ON THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX