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

In response to a previous complaint below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account came back which is not mine. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. 

Account XXXX XXXX XXXX  THE DISPUTE FROM BEFORE IS BELOW. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts 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
Product: Credit reporting or other personal consumer reports

Dear To whom this may concern, I am writing to formally dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ).

I request that you provide me with the following documentation to validate the debt : A copy of the original purchase agreement or contract that clearly outlines my obligation to pay this debt.

Evidence that you are legally authorized to collect this debt, including any assignment of rights or proof of ownership.

Under 15 U.S. Code 1692g ( b ), all collection activities must cease until the requested information is provided and the debt is validated. Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure the accuracy of the information you report to credit reporting agencies. Please provide verification that your reporting practices comply with this provision. 
If you can not provide the requested documentation, I ask that you cease all collection efforts related to this matter and remove any associated negative entries from my credit report as required by law.

Finally, under 15 U.S. Code 1681c, outdated or obsolete information should not be included in my credit report. If this debt is older than the reporting time allowed by law, I request its removal immediately.

Please respond to this request within 30 days from the date you receive this letter. All future communication regarding this matter must be in writing and sent to the address provided above. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert from XXXX  that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
XXXX also indicated that a credit account had changed on my report. The account was for an energy company in XXXX called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX two times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. Experian sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in XXXX My consumer report shows I'm currently XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. At no time in 10 years have I lived in XXXX XXXXr even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. They were clearly not investigated properly. 

Here is the account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to Experian and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a 3rd party and not the original source of the information. Under the privacy act of XXXX, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.
Product: Credit reporting or other personal consumer reports

XXXX had failed to fulfil its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notary consumers of dispute outcomes. These failures align with my own.
Product: Payday loan, title loan, personal loan, or advance loan

We were working with XXXX to do repairs on our home. They referred us to enerbank to get a loan for the repairs and they called their enerbank representative on their phone to lets us talk to them and apply. It was explained that the loan will be same as cash for repayment until XXXX of XXXX. The interest rate then would be 19.99 %. I work in the lending industry and made sure to confirm that the information was really clear to me before making the decision to move forward with the loan. Our intention was to pay the loan off before interest would be applied. I recently made a larger payment to the loan and decided to review all the statements. This is when discovered that interest was being charged off each payment. I assumed this was a mistake and contacted Enerbank on XX/XX/XXXX to clarify. The representative explained that the same as cash was if I were to pay it off I would pay any additional interest however as I'm making payments interest is still accrued daily. This was not how the loan was advertised or disclosed. We would have not gone forward with the loan or renovation if we had been aware.
Product: Debt collection

HALSTED CLAIMS I HAVE AN ALLEGED DEBT.

HALSTED HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS HALSTED HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C HALSTED IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D HALSTED IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J HALSTED EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING XXXX XXXX XXXX & XXXX XXXXXXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION
Product: Debt collection

XXXX they say I owe I have been a victim of a naturel desater
Product: Credit card or prepaid card

I have been contact the corporate office as well as sending a email to CEO regarding late payments during pandemic. I have always had excellent until I lost my job. Here is the letter I sent and received no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Citibank Double Cash Card XXXX XXXX XXXX, XXXX XXXX XXXX, Citibank XXXX XXXX., Mail Room, XXXX, XXXX XXXX XXXX XXXX XXXX ( Old XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # : XXXX To XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been customer since XXXX and during that time, I have enjoyed my experience with Citibank greatly XXXX I am writing to see if you would be willing to make a goodwill adjustment to my credit reporting to the three credit agencies. I have a late payment on the above referenced account from XX/XX/XXXX and XX/XX/XXXX. 
My Citibank credit card has been closed down but I continue to make my monthly payments to keep positive payment history and to one day open another account if possible. I went over my limit during the pandemic which caused account closure. Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of obtaining gainful employment after the pandemic. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I have been a very happy customer in the past and hope to continue a long relationship with Citibank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Citibank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Citibank is head and shoulders above the rest. I look forward to your reply..
Product: Checking or savings account

Hello, so roughly a week ago I was hit with {$18000.00} worth of bank fraud on my capital one 360 bank account. I reached out to their fraud department to file a claim, since I did that, today I decided to call in the morning and the representative guaranteed me a provisional credit. XXXX hours after that I talked to a representative who told me that the information given to me was false. Then XXXX hours after that I decided to call one more time and the representative on the phone guaranteed the provisional credit within XXXX to XXXX hours. But then they flipped on me saying that the representatives beforehand provided me with false information. Of course, I made arrangements and planned on using that money to pay for rent, car payment etc. Two different representatives told me I was gon na receive it today and now I'm being told that was completely false. What should I do? I called XXXX XXXX XXXX XXXX ( spoke with XXXX ) and XXXX XXXX XXXX XXXX  ( don't remember the representative 's name ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

COMPANY HAS YET TO PROVIDE THE ORIGINAL CONTRACT/SECURITY AGREEMENT & STILL CONTINUES TO REPORT IMPROPERLY TO CONSUMER 'S CREDIT REPORT.
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 customers, right to privacy and confidentially under 15 USC 1681. 

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 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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

XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports and being a victim of Identity theft. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Product: Checking or savings account

Today is XX/XX/2019. I went into the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX around XXXX. My friend and I waited in line until about XXXX. There was only one teller available. Another teller came out to help us. Her name is XXXX XXXX. I wanted to deposit my 2 checks into my friends account. She said they are not allowed to do it. She said I have to be on his account. I told her that's not what the Bank of America Policy states. I read the handbook. She said they're not allowed to cash 3rd party checks and that I can talk to her  supervisor. She rang a bell and went into the back and came out with another lady named XXXX XXXX ( The Supervisor ). She told me the same thing that they're not allowed to cash 3rd party checks. She looked into my friends account and said if we do it for you it's as a courtesy. I'm pretty sure she said that from reading a note from a previous problem I have with the other Bank of America branch in this city. That is the reason why I went to a different one because the last assistant manager at the first branch I went to said I'm not allowed to go back to their branch and cash my checks. She said they were going to notate my friends account that I wasn't allowed to cash my checks there. So the same thing happened here at this bank branch. They refused to deposit my checks into his account. The supervisor said I have to go somewhere else to do it and they're not allowed to, but only if they want to as a courtesy. What is going on here with all of this injustice at these branches??!! How is it that a company has legal guidelines to follow in their own policy handbook and does not follow them?! I don't understand this? Why am I being refused when the law states what we should be able to do without a problem. Who is in charge of these banks and what kind of businesses are they running? After they refused me I asked them for their names and that's how I stated them here. I have the paper they wrote their names on.
Product: Debt collection

There are a few medical items listed on my credit file which are unknown, I have disputed with nothing being received for validation I need help these are inaccurate
Product: Debt collection

I noticed this company on my credit report, i have sent Certified mail a Debt validation letter to request a copy where i signed or a contract i have with this company United Revenue Corp. The first response i received on XX/XX/2018 from them was a typed letter of Dr services from XXXX XXXX XXXX XXXX for {$270.00} nothing else to validate it was me. I sent out a second letter explaining this and i received the same response on XX/XX/2018 since then they have refused to acknowledge my mail or respond. i want this negative item removed from my credit report as it is affecting it negatively.
Product: Debt collection

I have called since the begin of last year.    XXXX / XXXX /  XXXX   was first call to them.   I have called at least once a month to this comapny.   I have sent certified mail to this company was sent back.   I have email at least  XXXX  different email address.   I have a attorney contacted them still nothing.   This debit is not mine. I have ask numerous time to have this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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
Product: Checking or savings account

Truist Bank pays fees from my Business Checking when the money is not available in the account for said payment and then charges me an overdraft fee because THEY allowed the payment. I've noticed that they're also re-ordering the line of succession as to when things post, such as charges, whereby it leads to my account being overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

XXXX XXXX XXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.
Product: Debt collection

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

XXXX XXXX has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent a record of application. which doesn't have the full social security number, full birthdate, drivers license number OR signature of the applicant another certified letter was sent ( and received by XXXX XXXX on XX/XX/22 ) on asking again for proper validation and again including a copy of the supposed signed contract. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report