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

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Someone stole my identity end of XX/XX/2023 and opened or applied for various credit cards, bank accounts, loans, credit, etc. I have no further information other than I put a freeze on my credit after receiving denials from XXXX creditors in the mail stating they couldn't verify my identity. This one from XXXX XXXX or XXXX is one that I've actually received collection for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX BANK SS XXXX Account # XXXX Account name : XXXX BANK XXXX Account # XXXX Account name : XXXX BANK, account XXXX XXXX Account name XXXX XXXX XXXX account # XXXX Account name : XXXX BANK, account # XXXX Account name : XXXX, account # : XXXX Account name : XXXX XXXX SERVICES, account # XXXX Account XXXX : XXXX XXXX SYSTEMS XXXX, account # XXXX Account XXXX XXXX XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX, Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a Citizens Bank credit card. I have not made a purchase on the card since XXXX 2011. I have the payment auto deducted from my checking account. The way this card is set up you can only have the minimum payment deducted or the full balance of the card. 
I had, the minimum payment deducted every month. Somehow with no purchases made the interest took the balance over the credit limit. Seven times in the past year they have charged me, a XXXX fee. Called them, they said they would credit me XXXX fee. I do not understand how you can make a minimum monthly payment and the card went over the credit limit with no activity on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an attempt to have an old account that was originally opened in XXXX removed. The Credit Reporting Agency is Experian. The debt collection is for XXXX XXXX. The date opened says XX/XX/XXXX. The balance is {$90000.00} this balance was historically proven to be incorrect based on my original court documents, signed by the attorney hired to both submit Divorce and child support. I originally agreed that as good faith effort to make transition for my kids a non burden, that I would make an additional {$50.00} payment bi-weekly only until {$2500.00} arrears was paid. The company collecting never removed the $ XXXX bi-weekly for 10 years the debt was accumulated, since XX/XX/XXXX. The debt is not fraudulently being reported to my checking account and FICO SCORE. I ask again as originally during my previous request for account reviews by the debt Collector. I also have to pay monthly payments of {$130.00} to the Collector that's not reporting. The debt is reported by Experian as a revolving Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX BANK Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt 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 or other personal consumer reports

XXXX XXXX XXXX Account number XXXX I received a copy of credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting as an CHARGE OFF, but also shows a past due balance of XXXX, According to the FCRA. I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

There is a dentist in Florida who claims that he is owed {$440.00}. I have proof that it is only {$320.00} as monies have been paid in addition he had caused me to be overnighted in the hospital due to his medical negligence I need this off the report he keeps lying to the credit bureaus and using a false amount
Product: Mortgage

We receive foreclosure documents from XXXX and their attorney XXXX XXXX  XXXX again on XX/XX/. This happened 16 months ago. We sent them a letter and documentation stating that they did not have the rights to the property could not to foreclosure on it. We also stated that the loan was satisfied. Now again they have a sell-for date for XX/XX/. This came completely out of the blue and with no communication ( other than that letter ) for 16 months. We believe this foreclosure is illegal for two reasons. 
This long loan was satisfied years ago. We continue to pay on the loan even after it was satisfying because we were not informed that it was. Would like to know where those payments went. 
We also believe that they don't have the legal right to foreclose the loan because of improper paperwork. They discount these facts as a red herring or us trying to just cause problems with the loan but we believe rule of law is important and proper documentation is crucial and these matters. We believe that because they are not the proper servicing agent is the reason it has been so hard to get verification and documentation. When we do receive documentation sometimes it's different from what they sent the time before and sometimes it's different from what was recorded with the county. 
We feel that there have been strange things going with This file. Every time we ask for clarification we have been sent to or contacted by departments that the regular departments could not identify. To use an old adage we feel we are being railroaded mainly by Chase as the server of the loan. 
We are afraid of losing our home and all the equity in it. We believe that the loan was satisfied essentially twice. 
We demand that this foreclosure be stoped and this loan reconveyed now. 

XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

fcra and ftc violations, XXXX u.s code XXXX ( XXXX ) ( A ) ( i ) XXXX u.s code XXXX ( b ), XXXX u.s code XXXX, XXXX u.s code XXXX ( XXXX ) ( a ) ( i ), XXXX u.s code XXXX XXXX violation, XXXX u.s code XXXX XXXX, XXXX u.s code XXXX validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that XXXX have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a Credit Report from Equifax. I then promptly filed a dispute based on inaccuracies with the credit report. After ample time passes, Equifax sends me an email saying that my report disputes have been responded to. They gave me a report confirmation number to log into. When I went to their website - I typed the same personal information into boxes that was done to file the dispute, then they tell me that the information I typed does not match their records so they tell me that I have to send them US Mail or call toll free number to get status of credit report. Their technology is sophisticated as such that all inaccuracies can be addressed over the internet but they are making it extremely cumbersome to fix your credit which in turn keeps you finance rates high and benefits Banks and Credit Card Companies. Equifax has done this several times in the past to me and I thing it is time to fight this injustice.
Product: Debt collection

I have attempted several times by mail, email and phone to get collection agency to validate the debt they are saying that I owe for XXXX XXXX. They have failed to provide requested information, prove that the debt is mine, they have the right to collect a debt or remove the collection from my credit reports. I have sent in proof as well that the debt could not possibly belong to me and received no response or removal.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX 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 XXXX, Equifax, and XXXX are 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 item 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX closed Late dates : XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$4400.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9700.00}.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

Below are the inquiries and dates of accounts that are unauthorized. please remove the following hard inquiries. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX - XX/XX/year> These accounts are not connected to an open or closed account on MY personal credit score. Please remove these unauthorized inquiries from my report. Please do not add a credit alert to my report!
Product: Credit reporting or other personal consumer reports

I requested credit scores on XX/XX/year> and before that date. I just requested them again today XX/XX/year> and the site continues to state that the reason that they can not provide my credit scores is because XXXX does not have a score. 

I went directly to XXXX and the XXXX and both provided me with credit scores. I have attached them below. 

It is my understanding that all 3 credit reports should be reporting the same information. If the same information is reported then Experian should be able to generate a credit score. My credit score is being suppressed purposely.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, Transunion has committed identity theft. This is a violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized COMMUNITY FIRST CREDIT Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX CREDIT/KOLOSSO TOY Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
CREDITONEBK Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
CAPITAL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Product: Debt collection

I told this company to stop contacting me and to validate the debt. This debt is actually under my husband for our son but theyre calling ME. I submitted this request XX/XX/XXXX and I have received 4 calls since then. Two on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. First off, they arent supposed to be contacting me, period. And they are calling after we submitted a no contact.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with Goldman Sachs Bank Usa on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Goldman Sachs Bank Usa, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Goldman Sachs Bank Usa never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Product: Checking or savings account

Attempting to close a checking account with Citibank. Owed {$15.00} which Citibank will not allow me to pay off using a credit card or external bank account. Whenever I try to link an external bank to ball off the balance, the website logs me out for inactivity ( I was actively clicking around the site ) or tells me repeatedly that there is an online error and logs me out. Forced to call customer support. When I use the automated service and say I want to pay bill and close account, it tells me there is an error and hangs up. Call back, go through it all again to get an operator, tell him I want to close account, put on hold and then phone hangs up.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$19000.00}