23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation Dear XXXX XXXX XXXX XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file.

In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I never ended up using the account after I opened it with my initial {$25.00} deposit. Once I realized there was a monthly fee, I tried to close the account. I got a new phone number so I was unable to complete the XXXX. They want me to confirm my account number, but the number is not listed on the statement they send and I can't view it without being able to log in. They also ask my for my " pass code phrase '', but I don't remember ever setting that up. The account is now overdrawn and they are going to continue charging the monthly fee. They are not working with me on any sort of resolution to verify my identity. I don't think it's fair for them to keep charging me a monthly fee while not allowing me to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft! I sent in a police to XXXX  and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship
Product: Credit reporting or other personal consumer reports

According to the FCRA medical bills can no longer report on my credit report. This is a violation of my privacy and a violation of HIPAA. Account number XXXX should be removed from my account immediately.
Product: Debt collection

The name of the company is ERC and they keep calling me after I have asked them several times to stop calling me.They are calling about a relative of mine who does not live with me and is not at my address or my phone number.But they keep calling.The lastest calls all all automated with a message to call them and a reference number thens hangups.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against Experian for repeatedly violating the Fair Credit Reporting Act ( FCRA ) and failing to properly investigate and correct inaccuracies on my credit report. These violations have caused significant harm to my financial well-being and creditworthiness. 

Background : I have made multiple attempts to dispute inaccurate information on my Experian credit report, including by phone on XX/XX/year>2024. Despite my efforts, Experian has failed to comply with its legal obligations under the FCRA, specifically : 15 USC 1681e ( b ) : Experian did not maintain reasonable procedures to ensure the accuracy of my credit report.

15 USC 1681s-2 : Experian failed to properly investigate my disputes and correct inaccuracies.

15 USC 1681i ( 5 ) : Experian did not conduct a reasonable reinvestigation of the disputed information.

15 USC 1681c ( c ) : Experian reported outdated or inaccurate information that should have been removed.

Recent Developments : I recently learned about the CFPBs lawsuit against Experian ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), which alleges that Experian systematically fails to investigate disputes and continues to report inaccurate information. This lawsuit confirms my experience and demonstrates a pattern of non-compliance with federal law.

Harm Caused : Due to Experians failure to correct inaccuracies on my credit report, my credit score has been severely impacted. As a direct resultXX/XX/XXXXXXXX recently closed two of my very important credit card accounts, citing my poor credit. This has further damaged my ability to access credit, housing, and employment opportunities.

Request for Action : I request that the CFPB : Investigate Experians handling of my disputes and ensure that all inaccuracies on my credit report are corrected.

Hold Experian accountable for its violations of the FCRA.

Provide any additional remedies available under the law, including compensation for the harm caused by Experians actions.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XXXX
Product: Debt collection

I had a XXXX XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be XXXX less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with XXXX because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to XXXX in my dispute that if XXXX has it closed that they should be reporting the same. In fact, XXXX removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX ... attempting to freeze our credit after XXXX XXXX security issues, I was directed to their website where upon after signing up, found out by freezing my credit with TransUnion, I was also signing up for their credit monitoring at a charge of {$19.00} per month. Realizing what I had done, found on checking, I could opt out of credit monitoring, HOWEVER I would still be charged the {$19.00} charge and the credit freeze would only continue through them for a month after which I credit would become unfrozen. On checking my credit card with XXXX Bank, I found that the charge each month is recurring. It seems impossible to reach anyone by phone or email to complain.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX the last four of my ssn is XXXX. My date of birth is XX/XX/XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion credit reporting agenciy to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These hard inquiries are appearing on my consumer FICO credit report and I do not recognize the aforementioned hard inquiries as reported. All of the aforementioned accounts, inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My compla int is about Ditech Mortgage company,. It has been a nightmare trying to communicate with this company. My husband and I are tired of Ditech rep orting us late to the credit bureau agencies.  <P/> This has been occurring for years and the most recent was  XXXX   2017 . We schedule payments online so we will not be late. Years ago, I will mail a check on the  XXXX  of the month and they would say that they did not receive it until the  XXXX . Which would make us late.  <P/> We decided to make payments online because of this reason, and we are still being reported late.  <P/> I called the customer service and the agent told me that the system does not recognize when you make a payment early. We started making payments between  XXXX .  <P/> 
Ditech has so  me shady practices and they need to be investigated seriously.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX : Received promotional offer in my e-mail ( attached ) to make ( XXXX ) digital wallet transactions ( in store or online ) and get XXXX bonus reward points. Bonus should be posted in 2 billing cycles. 

XXXX : Made ( XXXX ) XXXX pay transactions online at Target app. 

XXXX : Called to inquire about the bonus and either got disconnected, transferred multiple times, and finally transferred to a department where I was asked to verify SSN and credit card #. When I gave out that information, turned out I was transferred to another bank where I have no business with. 

XXXX : Sent a secure message to inquire about the bonus. 

XXXX : Got a reply to wait until XXXX to get the XXXX bonus points. 

XXXX : Haven't seen the bonus.
Product: Checking or savings account

I would like to file a complain I havent received my husbands or my direct deposit
Product: Debt collection

I am writing to formally dispute an inaccurate and outdated account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a consumers credit report beyond XXXX years. However, I have a repossession account XXXX XXXX XXXX {$11000.00} - Date opened XX/XX/year>... that has been on my report for nearly XXXX years, which is well past the legally allowed reporting period. I have attempted to dispute this with the credit bureaus, but the account remains on my report. This outdated and inaccurate reporting is negatively affecting my XXXX XXXX and financial opportunities. I am requesting that the CFPB take action to have this account removed immediately as it is a clear violation of the FCRA.
Product: Debt collection

I saw on my credit report a collection from Genesis Collection Agency. They never tried to contact me or anything. They just reported this error on my credit. My insurance paid the claim to the hospital. I sent information to Genesis and requested validation of the debt. They refuse to send me validation and yet they continue to report this fraud on my credit
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

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

On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that merchant preferred, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include Transunion and XXXX  via United States Mail that Merchant was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. Merchant preferred filed another claim XX/XX/2019 now I am 120 days behind. XXXX, Transunion and XXXX  continue allowing merchant preferred, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps trying to get a Chase card in my name. The company wrote me, and told me that who ever was trying didn't have all the information. Therefore they denied the application, but I have a lot of hard inquiries because of it. From checking my credit report, this has been going on since XX/XX/XXXX. I only applied once, and have the XXXX  card. I applied inXX/XX/XXXX. I want to take all those hard inquiries off my report because they are fraudulent.
Product: Debt collection

I pulled my credit today, XX/XX/2023, and noticed this account was reporting but I never received anything in the mail about it. As far as I know, all my debt was paid in full to my insurance company so there should not be any unpaid or owed debts to any companies. I do not understand how its reporting when i have never been contacted and to my knowledge, I must get something in the mail before a collection can be reported. i did not even get the opportunity to dispute the debt in any part before it was reported
Product: Bank account or service

I signed up for the Citigold Checkings account from Citibank on XX/XX/XXXX. I signed up for the account because they had an offer saying that if {$1000.00} of purchases and 1 bill payment were made within the first 3 months of opening the account, I would receive XXXX XXXX XXXX Reward miles. I have contacted Citibank various times through phone, secure messages and chat. In these ocassions, I 've been told that I had fulfilled the requirements and I would be getting my miles soon. It is now XX/XX/XXXX, and after contacting Citibank one more time they are telling me that I do n't qualify for the offer and that I wo n't be getting the reward miles.
Product: Credit reporting or other personal consumer reports

the credit bureau was made aware of the fraudulent accounts being reported and havent removed them, contacted me back, or provided the information used in the investigations
Product: Consumer Loan

On XXXX XXXX, XXXX I made my auto loan payment in branch for Wells Fargo Dealer Services. I made my regular payment of {$250.00}, and an additional principal payment of {$1200.00}. When I received my XXXX statement, they had made 4 monthly payments instead of crediting my principal. I called on XXXX XXXX to the call center at XXXX to have my payment properly posted and was told it would take 3 days to complete. When I checked my balance on line on XXXX XXXX it had still been applied improperly. So I called again on XXXXand spoke with a XXXX who stated that he would get it corrected. On XXXX/XXXX/XXXX I checked my account again and it was mis applied once again and now showing that I owed a balance of {$28.00}. So I went into my local Wells Fargo Branch where they called in and spoke with someone who said it again would be corrected in 3 days. In the mean time, I made my XXXX payment of {$250.00} on line on XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX I made an additional principal payment of {$300.00}. When I received what should have been my XXXX Statement, they are now showing I have a past due balance of {$28.00}, Due on XXXX/XXXX/XXXX ( Statement date is XXXX/XXXX/XXXX ) with a late charge of XXXX due. SO on Friday, XXXX/XXXX/XXXX I called again and spoke with someone by the name of XXXX XXXX, who stated she was a supervisor and would get my account corrected and call me on XXXX/XXXX/XXXX. Not only did I not receive a call back, but I have now started to receive collection calls. When I called in this morning, no one could get me back to XXXX XXXX, in fact a " supervisor '' there gave me a phone number for her of XXXX which has been disconnected. And then proceeded to tell me my account is past due 25 days and if I dont pay them they will report this on my credit. All I have done is make my regular payments on time, and attempt to pay down my principal balance, which they are impeding and making my account past due with their " correction '' errors. Can someone please help me get this resolved before my credit gets impated over their inability to properly post payments? I tried to call another number and all they said was that they would send " XXXX XXXX '' an email to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA609/611/623 violation. The Following accounts are listed : XXXX XXXX  # XXXX CAPITAL ONE BANK USA NA # 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

Accounts associated with these name ID # XXXX, XXXX, XXXX, XXXX Address ID # XXXX, XXXX Accounts associated with XXXX XXXX XXXX, Credit Service Collection-I never opened an account with them. I don't know who they are. 
Some of my accounts are over 5 years old. 
XXXX XXXX, XXXX, and XXXX credit cards are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information about a XXXX late payment in XX/XX/2020 with XXXX XXXX ( Account number # XXXX ) on my Transunion credit report XXXX Report Number XXXX hard copy ). The results of Transunions investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For Transunion to change what was initially being reported as accurate on my credit report ( XXXX day late payment in XX/XX/2020 XXXX means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this XXXX day late payment. 

How could Transunion report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with XXXX XXXX and on their online account system it shows that XXXX payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like XXXX XXXX who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.