23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not have a contract with Franklin collection. I am not liable for this collection due to not having a signed contract with Franklin collection. I am not responsible for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Payday loan, title loan, personal loan, or advance loan

Mobile loans is not licensed to to conduct business in the state of California I took out the loan because I was going through financial difficulties. I told company that I wanted to pay the loan but under lower monthly payments. Mobile loans recently also changed their terms and conditions and revised my contract and raised my interest rate over 30 percent. When I believe the rate to be a fixed rate. I also stated that I wanted to close account to stop accumulating interest and they denied all my request and had little answers.
Product: Debt collection

I notice someone is applying for cards and accounts in my name with my information. The credit Bureaus are not complying with the fair credit act. This inquires are unauthorized and needs to be removed asap CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/XXXX my credit union emailed me an alert on my credit, which I immediately checked into. From my credit union website, I was linked into XXXX where I saw the alert for a delinquent account ( and I've learned the only agency reporting to XXXX or to my credit union is TransUnion XXXX. The creditor name is XXXX XXXX XXXX in XXXX XXXX XXXX, UT, which I'd never heard of before this point. The delinquent amount is {$270.00}, and the payment status is collection/chargeoff. Since XX/XX/XXXX, I have spent countless hours and days trying to get some person or agency to direct me to the right course of action. First I was told to file reports and complaints with police and credit bureau 's, then was told there's no issue and nothing to be found. But the alert still shows on my credit, and at this point XXXX XXXX XXXX says it's TransUnions problem, while TransUnion will not allow me to file a dispute a with them- which was the decision of a defensive supervisor named XXXX  who I spoke with late in the day on Thursday XX/XX/XXXX. That's the shortest version of how every entity has deflected responsibility. The delinquent account does not show in my XXXX  or TransUnion reports, nor does it seem to have affected my score, but it is still in my alert through my own credit union.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

XXXX social, experian, has not removed negetive item thats 60 days late theres a federal trade commision identiy report on filed acxount XXXX by law they supposed to block negetive items or removed it documentation on filed XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid or should I say I am paying Lexington Lawfirm which is an agency that helps repair your credit, so my credit score is at XXXX from XXXX dropped a lot due to errors, and comments on my credit history remarks. I went through a major crisis during covid 19 which affected me and my credit cards at the time entirely I wrote to these credit cards business and informed them of the circumstances and they ignored me showed no remorse and never took me into consideration and closed them. My credit score dropped XXXX points and as if that is nothing I have been with Lexington Law for about 3 months now and my credit score dropped another XXXX points. I feel like I am being dropped. Is this possible?
Product: Credit card

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : TD BANK USA/TARGETCRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked experian for a couple of years for VALIDATION of a bankruptcy that is being reported on my credit report, after several disputes, they are still unable to provide the sufficient and accpetable VALIDATION that, I, The consumer are legally entitled to.They report back that the bankruptcy is VALIDATED and WILL REMAIN on my report. I recieved a letter from the court ( that i have attached ), that they are not the data furnisher of this information, and all my credit files are FROZEN, for any data furinishers, Please remove this illegal reporting,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) 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. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened:XXXX Balance : {$160000.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.
Product: Credit reporting or other personal consumer reports

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to anybody. & quot ; So if that & # 39 ; s the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone & # 39 ; s credit report. 
Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times. 

DELETE XXXX Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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

XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but Experian and XXXX  have not.
Product: Debt collection

Element Global Services has continued to leave voicemail messages on my phone asking for a specific person. I am not that person. I advised them they had the wrong number. The next day, they left two new voicemail messages for the same person ( who is not me ).
Product: Credit reporting or other personal consumer reports

i have some errors on my consumer report XXXX XXXX XXXX  is violated my rights.

15 u.s.c. 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
also remove these fraud addresses from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please see my attached documents
Product: Prepaid card

I purchased a {$400.00} gift card at XXXX which I only used once to order food. After a day the card was used to purchase something for {$230.00} from a store in New York which I live no where near and did not authorize myself and then the card just went inactive and unable to use it at all. I cant purchase anything, check balance or anything. I contacted the company and submitted the requested documents they asked for but no one has ever contacted me back at all or anything regarding the gift card and how I can get my money back that was stolen from me. I want a new gift card issued since the funds were stolen fraudulently and I only used it once to order fast food delivery.
Product: Credit card or prepaid card

XX/XX/22 received a CASHAPP XXXX in the mail unsolicited. This is my XXXX one. I have reached out to CASHAPP the other times and they continue to come. I have gotten no where with my previous calls. I asked to speak to a XXXX, and they said they have no control over this, and can not talk to me since I do not have an account. I disagree. CASHAPP/Block sends it to my address, with my name on it. Need to have better oversight. 
I have not activated the cards, and have at least 3 reports to the FTC, and credit warnings activate with credit bureaus. 
Someone tried applying for unemployment benefits over a year ago and I rejected it, since I did not need them. Been working at same company for almost 38 years. 
XXXX  send me cards, and I reported them. 
Someone tried opening accounts from XXXX and XXXX XXXX. Both companies were contacted. I never applied to any of these companies or did business with them ( except XXXX for a couple months when they took over an investment account from XXXX XXXX over 15 years ago ). I did not get anything else from them after reporting. But CASHAPP continues to be a sucker to the scumbags out there trying to take the criminal way out.
Product: Debt collection

Sent do not contact letter based on templates provided by CFPB in XXXX 2016. Received further written attempts to collect debt as of XXXX/XXXX/2016.
Product: Debt collection

I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. 

I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). 

Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.
Product: Credit reporting or other personal consumer reports

I was not provided with information used to determine the debt is correct. I also provided court documentation stating the debt is inaccurate and should be removed and the Experian is the ONLY bureau that is still reporting this debt.
Product: Mortgage

I have 2 equity lines of credit with Keybank. 1 is for my business and the other was on a home that I owned. I went into the bank and asked to withdraw {$50000.00} from my business equity line. Keybank ( XXXX XXXX CT ) mistakenly took the monies from my home equity line. Several days later the house is sold and I am informed by my attorney of the mistake. The staff at XXXX XXXX CT transfers the funds to my business line and tells me all fees will be waived. The house is sold. Keybank didn't close the HELOC. They are billing me for the fees and interest that occurred. I have called several times to correct the issue and it has not need resolved as of today XX/XX/20. I have difficulty reaching XXXX the person at the branch who is supposedly handling the issue. I was told today by the branch manager that he is working to resolve the issue, but the technology at the bank is giving him errors. I need the issue resolved before it affects my credit. I have been made several promises that it is being worked and will be resolved quickly, but that has been the same answer for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.
Product: Credit card

Hello, the reason of my complaint is that despite citi bank receiving signed 4506 and ssa-89 forms, they closed my credit card. I request to reopen my card, because I sent everything they've requested and they still closed my card
Product: Credit reporting or other personal consumer reports

I previously disputed a collection account on my report from XXXX XXXX XXXX. 
After the dispute, the collection account on my credit report XXXX XXXX XXXX was reported to say WILL BE REMOVED AS OF XX/XX/year>. 
The collection account has not been removed. 
This is from Experian. However, I want it removed from all my credit reports.
Product: Debt collection

Company named affirm has 2 accounts opened in XXXX of XXXX. Account # ( XXXX ) & account # ( XXXX ). I never opeend these accounts or authorized ahyone to do so. Ive reported it with them as fraud several times and even did a affidavit and their response to me was that it remains on my credit and their information is accurate. They do not provide me or the credit bureaus with any proof that the debt was mine. Ive asked for proof of ny signatures as well as ny identification card or drivers license or anything proving this devt was mine. They do not have any if that information they said. My identity was stolen in XXXX and used several times fraudulently and i never had any problems with other companys disputes once i prove that it was not me who opened it. This is the only company who refuses to take responsibility that they opened an account to a fraudulent buyer.
Product: Debt collection

I attempted to reach out to Bridgecrest and they informed that they were not able to locate and account with my SSN so why is it right that they are able to put a derogatory mark on my credit?