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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I was a victim of identity theft, my personal information was used to open up fraudulent accounts without my consent. Delete these items from my credit report immediately.
Product: Debt collection

In XXXX of 2016 I was involve in a motor vehicle accident. Was transported by ambulance to the hospital. This bill is a result of that ambulance ride, from that medical transport company. I ended up having the accident handled by personal injury attorney. That attorney settled the matter without my knowledge, keeping all but {$380.00} and did not pay ANY of the medical providers in question. This bill included. Leaving me with almost $ XXXX in medical debt. The attorney was suspended by the XXXX XXXXXXXX XXXX XXXX due to actions of misappropriation of client funds. The investigator handling my matter indicated to me that this amongst all of my medical liens are part of his {$5.00} XXXX in restitution. I provided the collection agency the supporting documentation that I am including with my complaint. They not only refuse to remove the collection from my credit, but are enforcing the debt, but charging 3 % daily interest on the debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Checking or savings account

WF refuses to let me open a CD account online, stating that I need to provide a valid US address. For the last 5 years my salary has been deposited into my Wells checking account and my rent and utilities paid out through the same account. I have been receiving tax forms from them every year in the mail. They know my primary residence is in US. Either way I went to the bank twice, on XX/XX/XXXX and XX/XX/XXXX, to verify my address and provide anything relevant to prove my XXXX. At the branch we verified and double checked everything. They have my green card, social security number, drivers license and a renewed XXXX form. I also opened a XXXX account during the last appointment. The banker assured me all looks good, promised to follow-up with me about that error but never did. Despite all looking good, I still cant open a XXXX account online and continue getting the same misleading, irrelevant error. Wells Fargo website clearly has a glitch of some sort and they dont seem to have any intention of addressing or fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX a balance XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  tried to get cash from me for the last class I took with them in winter of XXXX. I am a financial aid student and the DOE was funding my classes. When I reminded them that they get my funding from DOE, they sent my class amount as a past due charge as a deorogratory collection to a collection agency, General Revenue XXXX of XXXX. I contacted General Revenue several times by phone and submitted my documents on file for the investigation ; which I have saved. 
I have reached out to DOE and my servicer provider to help support me in having this collection taking off.
Product: Credit card or prepaid card

I applied for the Wells Fargo Business Platinum Credit card on XX/XX/XXXX. I applied through a link that offered a {$500.00} bonus after spending {$5000.00} on the card within the first three months, and 1.5 % cash back on all purchases. I met the spending requirement and paid it off on XX/XX/2018. At about this time I received on offer to get 1.5 % cash back on my card. This did not make sense because I signed up for the card to get the cash back, and should have received cash back for all purchases as soon as I started spending I called to see what the issue was, they told me I didn't sign up for the bonus, although I clearly clicked the link and the rep was familiar with the bonus. The rep suggested that because I met the requirements I file a dispute, I did so on XX/XX/XXXX. When I never heard from them I called XX/XX/XXXX, they said they have still not got to the dispute and I needed to wait. I never heard from them again, so I called on XX/XX/XXXX. They again said it had not been looked at but sent it to a research reference team to see if I had met the qualification for the bonus ( which I clearly did ), and they would get back to me in 10 days. After not hearing from them for nearly a month I called on XX/XX/XXXX. At this point they gave me a case number and said I would be contacted in 24 hours. I have not heard from them. I took the initiative every time. They never contacted me back once. Every time I was told something different, however two reps told me since I met the requirements it will be honored, but that has not happened. I clicked a link to get this bonus, I have met the requirement. They have been ignoring me in hopes that I will go away.
Product: Debt collection

This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid balance in full according to company I paid afrer being theatened to be sued. Shows on credit report as settled for less than amount owed. They will not correct this.
Product: Debt collection

They keep calling from different numbers everyday all day long. Ive talked to one guy and told him to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX  XXXX {$2200.00} DEPTEDXXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00}
Product: Debt collection

I wrote a letter to validate my debts with Phoenix Financial Services on XX/XX/2020. Due to an overwhelming schedule I wasn't able to mail it until XX/XX/2020. The company received it on XX/XX/2020 at XXXXXXXX XXXX  from the post office. I am yet to hear back from the company within the 30 day window to validate my debt.
Product: Credit reporting or other personal consumer reports

Experian has seemed to not mind violating my constitutional rights by some how reporting that my vehicle loan is closed when it has only been sold. this misinformation has caused my XXXX XXXX to decrease substantially by XXXX points and is creating an ( extreme ) hinderance to the functionality of my ability to prosper as a human being. This misinformation is to be reported accurate pusrsuant to 15 U.S.C 1681 FCRA regulations and is persecutable by law. Please correct a.s.a.p.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to do a temporary lift of my credit freeze with all 3 agencies. XXXX   and XXXX  were a breeze, their websites worked flawlessly and quickly. 

I have spent 45 minutes on the Equifax website, which keeps timing out with no success. I called their customer service line, who informed me that he was customer service, not the credit freeze department, tried to sell me a product. 

At this point I'm waiting for " the credit freeze department '' to open so I can call that number at XXXX (! ) and try to get those folks to help me. 

Here 's the sad part ... .my sister works for Equifax . When I was venting to her, her response was " Yep, that sounds about right. '' Even their employees know that they are a terrible organization. 

Hold their feet to the fire and make them perform. They have the funds to fix this!
Product: Student loan

I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, ACS is has reported late payments over & XXXX 120 days which is inaccurate and causing a strain on my credit worthiness.
Product: Debt collection

I am submitting this complaint, because DESIGNED RECEIVABLE SOLUTIONS, INC has committed multiple violations and mistakes in my credit reports. This company has damaged me being NEGLIGENT AND UNFAIR. They have committed several damage. I haven't been able to get mortgage, I've been paying higher rates on loans, they have failed to secure funding, I have suffered psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date XXXX, original balance : {$30000.00}. 
2. Account number : XXXX, date opened:XX/XX/2019, original balance : {$280.00}. 
3. Account number : XXXX, date opened : XX/XX/2019, original balance : {$510.00}. 
4. Account number : XXXX, date opened : XX/XX/2019, original balance : {$150.00}. 

Your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill XXXX insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital over-billed and made me agree to take more expensive procedures than needed. 
I was grossly over-billed for what was one hour visit. 
Unfair business practices and negligence. 

Because all the damages and violations that I have suffered, I demand to get the accounts removed from my records. I give you a deadline of 30 to do so. Please be advised that unless this these items are removed from my credit report, I will file small claim based on all the violations mentioned above. Im open to resolve this issue in a good way. If you decide to ignore me, I will file a small claim in the next 30 days.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX credit file of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX  # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi... .. there are unknown inquiries on my report that I did not apply for, upon trying to resolve they remain on my report I currently have a block and security measures on all credit bureaus, granted these inquiries are not performed by me. 

I have also file a complaint with the PENNSYLVANIA ATTORNEY GENERAL DUE TO DUPLICATE FALSE INFORMATION ON MY REPORT ON ALL THREE BUREAUS 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 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 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