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

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, XXXX, XXXX XXXX EXPERIAN XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX  has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payments and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 
These financial institutions have violated the following Federal laws : 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Payment History XXXX XXXX  Account Dear Sir or Madam, I am writing to dispute an inaccuracy on my credit report regarding my account with XXXX XXXX. Below are the relevant account details : Account Number : XXXX Account Type : Installment ( Unsecured Loan ) Date Opened : XX/XX/XXXX Balance : {$4000.00} According to the payment history on my credit report, there are inaccuracies that need to be corrected. The information should reflect that my payment history is accurate and up to date. Specifically, I am requesting that the payment history for this account across XXXX, Experian, and XXXX be reviewed and corrected to reflect timely payments as shown in the account records. 

Thank you for your prompt attention to this matter. Should you need additional information or documentation, please contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX
Product: Credit card

XXXX & XXXX changed banks in XXXX. I was issued a new card under Synchrony Bank. I never received the card nor statement. I received an email that a payment is due from a non-reply email. I called Synchrony and reached their automated service. I asked for my account number it sent me a link to do a live chat. I used the link, but there was no icon for a live chat. Researching I found on their web site that the icon is only available once you logged in. I can't register to create a login without the account number. 

I called back to speak with a live person. The auto system does everything it can to not allow you to speak to a person. After hitting XXXX a bunch of times it finally asked to press XXXX to speak to a live agent. XXXX picked up the call asked for my full name. I explained that I never received the card or statement and that I need the account number to register. She placed me on hold. I think she was new, she kept asking my " Did you receive the card? '' by the XXXX time I asked what she didn't understand about myself not receiving the card nor statement. She came back verified my address and then said I can't give you your account number. I asked how am I suppose to register and pay the account without this information? Her reply " The good news is we have the correct address. I can not give you your account number. '' I then asked well how am I suppose to get it? " From your card and statement. '' I hung up. 

I have an account I would like to pay and not ruin my credit, but I have a bank that will not provide me with a key part, my account number. 

The irony is you are asking for the card number to help find me.
Product: Debt collection

I'm calling to report a company called Cordoza & Wexler - approximately six months ago I was harassed by this company for a debt I do not owe and I don't even know what they're talking about something to do with a payday loan and I've had a few in my lifetime and they were all paid back - the case number before was XXXX - the last time they called me they said I owed {$900.00} - now they're saying I owe {$700.00} - the person I talked to today was XXXX XXXX and I told him to stop calling this number and they had contacted me before and he blatantly lied and said we have never contacted you and then he backpedaled and said oh I see we did call you before - and you need to clear this debt - I told him no one has tried to serve me any documentation - and he said how do you know and I told him I'm home all day no one is coming to my door and that I had asked them to provide me with proof that I owe this debt before and I have never received anything so please stop calling and harassing me - I told him once again to provide documentation and all he did was talk over me - these are definitely scam artists and I just want these people to go away and what irritates me is he has my social security number. I don't know who these people are but they are horrible - I have blocked them and they keep calling so I called today to find out who they were. The last time that I reported this apparently you tried to contact them and they did not get back to you and the case was closed. I am beyond irritated with this group. The phone number that was on my caller ID is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 happened to know of at least two people, XXXX XXXX Case # XXXX and XXXX XXXX Case # XXXX, whom no ID info was required. They in turn know others for whom the same applies. Your request is very suspicious and not required. The Fair Credit Reporting Act does though require that I be treated " fairly '', I assume that would include a manner consistent with other consumers. Your request is to say the least is inconsistent with past cases against you and smacks of delay tactics since by your own admission LexisNexis has not to this date " received responses '' from the credit bureaus. Please immediately remove the following public records from my file or provide me with the documentation to prove your request for my personal identifiers is warranted and consistent with other cases : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.
Product: Credit card or prepaid card

I placed an order for a special order item with XXXX XXXX XXXX. The advertisement and sales pitch of XXXX  has since been deleted. The merchant was an advertiser on XXXX. His account has been cancelled. 

The credit card company is refusing to. let me place a dispute on a fraudulent charge. 

The company is citibank. 

The seller has not even sent me a receipt for payment or acknowledgement. 


The cc company wants me to. wait 6 months. 

XXXX has suspended the sellers account
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XX/XX/2021.
Product: Debt collection

This account is for the house that I lived in and owned but was for a different unit. I purchased the house back in XXXX of 2017 and originally had utilities included. After realizing how expensive it was and having my tenant eventually move out I had the lease updated to reflect that the tenant would now be responsible for the utilities. It appears that the account was still used after they moved in without my knowledge. The tenants were responsible for their own utilities. I request it be removed. I called and they said this account had been sent to a collections company which was also down without my knowledge. I had already gotten this resolved with two other accounts they made the same mistake with for the same household.. I guess they missed this one. Now this is affecting my credit negatively which is problematic because I have goals and dreams that require an accurate depiction of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or consent. I am requesting that all the accounts listed below be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$170.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$490.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Philip & Cohen Associates, LTD have called more than 5 times. They ask for a person. They are told that this number does not accept recorded calls and that the person is XXXX  XXXX. 

They then become belligerent, telling me to hang up. That they don't have that I owe money and am nothing but a loser. 

They are told each time not to contact this number but continue to do so a few days later. 

They are to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the XXXX 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX Nexus IS NOT the US Bankruptcy Court. 

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX - XXXX The presented claim seems to deviate from compliant reporting standards or raises doubts about its factual accuracy. Please ensure that all aspects of the claim have been thoroughly validated, verified for accuracy, and aligned with regulatory reporting requirements, including adherence to the precise Metro 2 format for compliant reporting. Should these conditions not be met, please promptly remove the entry. 

Listed below are the Inquiries that are being challenged : XXXX - XX/XX/year> I kindly request that you provide me with comprehensive documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have been removed from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have sent multiple letters to Credit Reporting Agency regarding : XXXX ( XXXX ) ACCT # XXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently.

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the credit reporting agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : The following companies I did not go into any contractual agreement with the collection agencies, and has asked for the original contract and neither company provided one. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I certified mailed a notarized FTC Identity Theft Report, copies of my drivers license, social security card, utility bill and a letter statement from me that the information is not information relating to any transaction by me to Experian. I have proof that they received it on XX/XX/2021. I had XXXX XXXX, XXXX and XXXX XXXX listed as fraudulent accounts, fraudulent names, fraudulent addresses and inquiries listed as well. Experian blocked XXXX XXXX, all the fraudulent names, fraudulent addresses and inquiries. The representative XXXX XXXX said that XXXX wasn't blocked because it was more than 5 years on my credit report. This is absolutely absurd to me when it is identity theft. She also said that XXXX XXXX wasn't blocked because the FTC Identity Theft Report did not have the date the account was opened nor the fraudulent amount. I told her that I didn't know that information and the FTC report said to list it only if I knew that information. Why would they only Block some of the fraudulent activity from the FTC Identity Theft Report and not all of it? But I have attached the updated FTC Identity theft Report with the dates and amounts they requested added.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

At the end of XXXX, there was a large amount of fraud on my XXXX  account, so we closed that account and opened a new XXXX  account, called XXXX account XXXX. I notified the bank of a few valid outstanding checks on the original XXXX account, and instructed them to process only those checks. 

On XX/XX/XXXX, two new fraudulent checks were presented to the bank on the original XXXX  account and they paid the checks. I promptly notified them : ( 1 ) that the check was fraudulent; and ( 2 ) it was not one of the approved checks I had sent them as valid. I am unable to access an image of either of these two fraudulent checks. I attach the information about the checks. 

To date they have failed to return my funds. They say they are overwhelmed with fraud claims and can not give a response.