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

I am writing to file a formal complaint regarding the failure of the credit reporting agencies Transunion, Equifax and Experian to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX {$6500.00}, XXXX XXXX XXXX  {$3200.00}, XXXX {$4100.00}, XXXX  XXXX {$7200.00}, XXXX  XXXX {$6800.00}, XXXX XXXX {$3000.00} Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me.

Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions.

Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement. 
Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.
Product: Debt collection

i never made a partial payment nor have i acknowledged i owed this debt nor did i contact them regarding this debt i sent a letter for verification of this debt and they never sent it back to me. 

This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed they reported on my credit report that account was opened opened XX/XX/XXXXXXXX  car was reposessed XX/XX/XXXX it reports the account is closed report XXXX was updated XX/XX/XXXX Status Account charged off. {$9800.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

then it says Status updated XXXX XXXX they have re-aged this account several times which is deceptive and misrepresenting, and false. 

i have never had any contact with this company about a payment plan and i have never acknowledged that this is my debt. 

i want this CAPITAL ONE AUTO FINAN debt to be removed immediately because they blatantly violated Fair Debt Collection Practices Act several times. 807. False or misleading representations ( A ) the character, amount, or legal status of any debt; or ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

809. Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the XXXX that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. https : XXXX Please remove any late payments from my account due to natural disaster.
Product: Debt collection

This agency added an account from XXXX XXXX to my credit report. I received no notice from XXXX XXXX or National Credit Audit Corporation that there was any money owed on the account. Under the Fair Debt Collection Practices Act, the agency is required to provide me with notice of the alleged debt and I have 30 days to respond before the debt is assumed to be valid. I provided a forwarding address through the USPS. During a phone conversation on XXXX/XXXX/16, the representative from the collection agency admitted that I did not receive any notices from them. Yet, they reported the debt to the credit bureau. They violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting an alleged debt to the credit bureaus without following the guidelines established by the law. They are required to provide the notice and they knowingly reported invalidated information to the credit bureaus. I want the alleged debt erased from all databases and the credit bureau information updated.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

Dear XX/XX/XXXX; OPORTUN XXXX ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : XXXX : Harassment or abuse in connection with debt collection. 
XXXX : Use of false, deceptive, or misleading representations. 
XXXX ( b ) : Failure to properly disclose my rights. 
XXXX : Use of unfair or unconscionable means to collect a debt.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, orders were placed with XXXX XXXX for the amounts of {$4300.00} ( order # XXXX ) and {$4200.00} XXXX order # XXXX ), respectively. Both of these orders were returned and the money was sent back to my account ( which can be seen in the attached documents ). On XX/XX/XXXX, these same amounts were charged to my account. 
I filed a dispute with PNC and they gave me provisional credit. On XX/XX/XXXX, I spoke with a representative who told me that I would be receiving a document in the mail that needs to be filled out and faxed. I received that letter on XX/XX/XXXX. Then on XX/XX/XXXX, the dispute was closed stating that I did not give the proper documents when requested. I called PNC and told them that they did not give me a reasonable amount of time to send in the paperwork and they said my only recourse was to open an entirely new dispute, but this time I would not be receiving provisional credit. This put my account negative {$8000.00} which also accrued fees day after day. 
While the dispute was happening, they decided to close my account because it was negative for too many days. I then went to my local branch on XX/XX/XXXX to ask what was happening. I was told that the account was closed but the disputes were still active and a letter was sent to me on XX/XX/XXXX requesting additional information. Again, I did not receive this letter but I was able to fax the documents with the PNC associate in the branch. Today on XX/XX/XXXX, I was on a conference call with a PNC associate and two different XXXX XXXX employees. Neither of the XXXX XXXX employees in the customer service nor the disputes department knew what these second charges were and did not see any record of the refunds being taken back. The PNC associate I had on the phone confirmed that these charges I received on XX/XX/XXXX were not new charges, but the reversed refunds. 
I asked the associate if we can rule in my favor in regards to the dispute and she said it is up to me to go to my local XXXX XXXX to try to resolve this further. They also mentioned that if they don't hear back from XXXX XXXX, they will close the dispute and leave me with the bill. Again, XXXX XXXX 's disputes department did not see any record of this refund being taken back. I believe this is PNC 's way to hand this off to me after they were given everything they needed in order to charge this back and settle the dispute as resolved. 
This issue has not only caused my only checking account to be frozen, but I also cant open up any other accounts at financial institutions until this matter is resolved.
Product: Credit reporting or other personal consumer reports

EXPERIAN AND EQUIFAX ARE HANDLING MY ACCOUNT AS IF IT BELONGS TO THEM AND I HAVE NO SAY SO.

ITS BEEN 30 DAYS SINCE I REQUESTED FROM EQUIFAX A HARD COOY OF MY REPORT AND I HAVE YET TO RECEIVE IT.

I HAVE REQUESTED THAT DOCUMENTATION OF THE PROCESS OF HOW MY INFORMATION WITH CREDITORS WAS VERIFIED and EQUIFAX REFUSED. THEREFORE I BELIEVE THEY ARENT investigating anything! They just make up stuff! The accounts I disputed DO NOT BELONG TO ME!!! 

I DO NOT LIVE AT XXXX XXXX XXXX XXXX! My phone number is not XXXX!!! These count do not belong to me!!! So they cant be verified! 


Lastly EXPERIAN AND EQUIFAX HAVE ME ON FREEZES THAT I DID NOT REQUEST NOR DID THEY ASK MY PERMISSION OR INFORM ME NOW I CANT OPEN A BANK ACCOUNT!!! 

EXPERIAN SAID THEY DELETED XXXX FROM MY REPORT YET XXXX IS STILL REPORTING!!! XXXX IS A NEW ACCOUNT THAT DOESNT BELONG TO ME AND THATS WHY XXXX CLOSED IT PER MY REQUEST BUT ITS REPORTING THAT IT WAS CLOSED BY THE CREDITOR. EXPERIAN AGREED TO REMOVE IT AND ITS STILL THERE SO DID XXXX!!! 

In conclusion- The specific violations include : 1. Unauthorized credit freeze applied without my explicit consent, violating FCRA 1681c-1.

2. Failure to notify me of the freeze or provide instructions on how to dispute or lift it, violating FCRA 1681i ( a ) ( 6
).

4. Failure to ensure the accuracy of my credit file, violating FCRA 1681e ( b ).

Failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ).

5. Denied my request for removal of inaccurate information, including fraudulent inquiries and incorrect addresses, violating FCRA 1681c ( a ) and 1681e ( b ).

6. Placed unauthorized credit freezes on my reports without my consent or notification, violating FCRA 1681c-1.

7. Failed to honor my request to receive all documentation regarding how my information was verified.

I have attached the screenshot of Experian saying they deleted fortia from my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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

XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a zero balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.
Product: Credit reporting or other personal consumer reports

remove fraudulent accounts immediately XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX
Product: Debt collection

I was a victim of identity theft and they managed to open a credit card account in my name without my permission
Product: Credit card

I and XXXX travel companions made a reservation at the XXXX XXXX in XXXX. I charged this reservation on my Chse credit card. 

On arrival, we discovered that there was no hot water available ( see attached affadavit ) so we went to a different fhotel ( receipt attached from XXXX XXXX XXXX ), I disputed the charge at the XXXX hotel since no hot water was available but Chase has sided with the XXXX hotel. 

I feel this is not right since we did not stay there and we had good reason ( lack of hot water ) for going elsewhere. 

Thank you for your kind attention, XXXX XXXX
Product: Mortgage

i have a mortgage with citizens bank for my home for a small amount, maybe 10-15 % of its market value. i have had this mortgage since 2012 and make my payments in a timely manner. i opted to pay my own taxes and have been doing that, but possibly twice i underpaid or was late in a tax payment and citizens bank insisted that they needed to set up an escrow account. These events were unusual for me, coinciding with a trip abroad and then an emergency in the family and i rectified them as soon as i was aware. As i have been paying taxes, they have paid overlapping payments, requiring refunds which seem to be sent to them, or payments forward. The escrow account that they have set up demands an amount for escrow that is outrageous, resulting in approximately a 50 % overage by the end of a tax year. i have tried to call the person at citizens bank who manages my account but she is " away from her desk or on another call '' EVERY time that i call and never returns a phone call despite my messages. customer service keeps referring me to her and assures me that they have contacted her department and that i should expect a call back. 
i want to pay my own taxes. i also want citizens to be put on notice that they are not allowed to charge excessive amounts to any of their clients and that customer service should include answering phone calls!
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 three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the erroneous information on my credit report : XXXX XXXX