23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian, XXXX and XXXX Request for Investigation and Removal of Inaccurate Information I am writing to formally dispute an inaccurate entry on my credit report regarding a debt reported by XXXX XXXX. The entry in question indicates an outstanding balance of {$730.00}, dated XX/XX/year>. I would like to clarify that this debt does not belong to me, and it appears to be duplicated on my report. 

I have previously disputed this item multiple times, but it remains unresolved. I have not received any proof that this debt is mine, and it continues to adversely affect my credit score. Under the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter. 

I kindly ask that you remove this erroneous debt from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

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

Sincerely, XXXX XXXX XXXX
Product: Debt collection

First, I did not give Transunion permission to do credit reporting on me and demand all negative information to be removed. Second, I have sent in multiple disputes demanding proof from Transunion from these debt collectors and nothing has been sent, yet, they claim it accurate and verified. These collection agencies such as XXXX XXXX XXXX pops up THIS YEAR on my credit report showing opened XX/XX/XXXX with no communication. But was only added on XX/XX/XXXX of XXXX! See documents attached. How can you validate MY debt without sending the documentation Ive requested so I can VERIFY? These debt collectors do not contact me prior to reporting invalidated and inaccurate information as Ive stated in my disputes! Transunion updates my disputes stating that it is verified, WITHOUT them sending me any of my requested documents showing that I owe this debt. How can you validate MY debt? Ive asked over and over for verification and documentation that there is a valid basis for claiming that I am required to pay the debt to these current creditors. For example, Ive asked Transunion and the debt collectors via disputes to provide a copy of the written agreement that created my original requirement to pay. In addition, a copy of the last billing statement sent to me by the original creditor. State the amount of the debt when it was obtained, and when that was. If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Nothing and I mean nothing has been furnished to me after multiple attempts to receive. These debt collectors do not communicate to me prior to reporting as Ive stated but you constantly ignore. This has caused me more problems financially! I need these debt collector accounts removed IMMEDIATELY. My rights as a consumer have been taken advantage of, I know that Transunion is obligated to send me proof as I have requested several times as well as I did not give Transunion permission to report any of my credit accounts or history. These invalidated debts are to be removed NOW for violating my rights.
Product: Checking or savings account

XX/XX/XXXX, XXXX Made the check amount for my rent {$880.00} XXXX XXXX says the check was deposited into my landlords account, no one has the time that she deposited it. I had {$650.00} in the account. 
XXXX XXXX XXXX-overdraft {$220.00}, XXXX {$1000.00} deposited from my direct deposit, the remaining amount is {$770.00}. Everything appeared fine. 
XX/XX/XXXX. received an email saying I had insufficient funds at XXXX, when I awoke my account had {$1600.00}. 
I called and asked them why they returned the check they said i didn't have enough money when she deposited the check, then they said a check takes XXXX days to process, so if it takes XXXX days and within hours I had the funds in the account, why was the check returned? The answer was I had insufficient funds. I asked again, if it takes XXXX days, and she deposited the check on the XXXX, and I had the funds to cover my insufficient funds within hours, why was the check returned? No one could give a straight answer, when they did answer. I called the bank 6 times, I got someone who couldn't tell me anything, I got someone who hung up on me, I got the buy signal and hung up on, I got someone who " tried '' then she transferred me to someone who couldn't answer anything I asked him, then said we will file a complaint for you, I asked how, he said with us BMO. Then hung up.
Product: Checking or savings account

My late husband had a Health Savings Account with HSA Bank, based in XXXX, WI. A Death Distribution check was finally issued, but to the estate. I am unable to open an account with that check, because HSA Bank continues to retain the original documents that I sent : Marriage Certificate, Death Certificate, XXXX  Court Certificate appointing me as Administrator to the Estate. I have no other originals and those are the very same documents that I now need in order to open an estate account. I have repeatedly requested by phone that those documents be returned to me, in addition to sending email requests on XXXX, XXXX and XXXX. I am now in possession of a check that can not be deposited, virtually rendering it null and void, thereby denying me of funds that rightfully belong to me.
Product: Credit card or prepaid card

On XX/XX/2019 I attended a Wyndham seminar. I provided information to check on financing, which I declined. And I consented to being sent promotional emails. Later that day I received an email that I was approved for a credit card with Barclays and that the card was in the mail. I never asked for or consented to being signed up for a credit card. Credit card terms were never discussed. No credit card was ever discussed at all. I did not purchase anything and did not wish to enroll in anything which was made extremely clear to at least 4 separate employees at the time. I have already contacted the bank, whos representative told me they would do a fraud investigation but that since I had given them my information it would still be considered a valid account even if I had been signed up without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX, with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXXXXXXBalance : {$1000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$1500.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT EDXXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Debt collection

This is a continuance of a complaint filed by myself on XXXX/XXXX/XXXX Case # XXXX that subsequently removed from my credit report. This collection has been reported on my credit report as well and needs to be removed. Hopefully, this is the last of the bills that I have received that needs to be removed from by credit report via XXXX for the XXXX for an injury I received on XXXX/XXXX/XXXX via my employment with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response to the claim # XXXX XXXX, Transunion and XXXX has XXXX their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services.Constructive Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. XXXX responded stating that XXXX XXXX is not reporting which it is just in a closed status which means they failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation because XXXX XXXX was reporting under the Name Department of Education which they now have transferred my nonpublic Information the their parent company XXXX who is now committing the same violations. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I requested a corrected line item without success. 
The account balance should be {$0.00} The open/close status should be closed Paid off status should be 100 % This company did not notate the date they received my return receipt from certified mail, like similar companies do. I have attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. 

I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reviewing my credit report, I found discrepancies in the form of late payments that are not representative of my typical record. Please update my account to fix this.
Product: Vehicle loan or lease

Hello, so i had been corresponding via email and calls with XXXX XXXX in XXXX NY for a new 2025 XXXX XXXX XXXX XXXX. On Friday morning we had finally come to terms on the pricing on Friday morning XX/XX/year> and i said great i am ready to go and i had expressed several time 's what banks i would like to go with which were XXXX XXXX XXXX XXXX because they were offering 6.03 % and 5.99 % respectively. They explained that XXXX XXXX XXXX didn't have any promotional rates and were currently offering 7.99 % and the banks i listed above were offering the lowest rates currently. I expressed this in writing via email prior to sending the credit application to them. Then, on Saturday XX/XX/year> the finance department submitted the credit application to 5 different lenders and none of the lenders it was submitted to were ones i wanted to use. They then get the approval from all the lenders and selected XXXX XXXX to go with which was 1 % higher in rate then the lenders i wanted to use. I told them i cant accept these terms. I told them i will secure the financing on my own and bring them a check for the TOTAL and they said they wont do the deal unless i finance with them. Then they had told me to take the deal or leave it and i said i will happily leave the deal and i was not going to work with them anymore. Then on Sunday XX/XX/year> the finance department submitted my credit to 2 additional lenders and they didn't have my permission to do this as i was not buying the car anymore. 

So now my credit has ding by 7 different lenders for the same vehicle and none of these lenders were mentioned. The dealership also never informed me that they werew going to submit to all of these different lenders because if i had known i would have told them to never do that. i take my credit very seriously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you can not provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this inaccurate information on my credit report. 

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. 

Thank you, XXXX XXXX
Product: Debt collection

The most recent call was on XX/XX/2018 at XXXX XXXX. I had been getting numerous calls from this company in reference to a relative. I Kindly told them about 6 or 7 times I have no contact with this person. Around the 8th call I finally asked to be put on their internal " do not call '' list. The lady who I spoke to was extremely rude and hung up the phone. When I called back they gave me the run around, kept putting me on hold and when the person came back on the phone I asked for their name. She told me here name was XXXX. I think that it is a fair and my right to asked to not be called anymore after numerous calls, especially about someone else 's debt and not be treated in a rude way.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Equifax for its failure to properly investigate and resolve charge-off items that were previously disputed on my credit report. The items in question, which have been inaccurately reported, are negatively impacting my creditworthiness and are preventing me from securing stable employment and housing. 

The charge-offs in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputing these items due to inaccuracies, Equifax has failed to provide a fair resolution, as required by the Fair Credit Reporting Act ( FCRA ). I believe that the information reported on my credit file is not accurate, and XXXX negligence in investigating my disputes has caused my credit report to take a severe downturn. 

As a result of these unresolved issues, I am experiencing significant hardship in securing both employment and housing, as the charge-off items are preventing me from passing background checks required by potential employers and landlords. This situation has caused undue financial strain, and I request that the CFPB investigate Equifaxs failure to comply with the FCRA and ensure that these charge-off items are removed from my credit report.
Product: Mortgage

Citizens Mortgage Company 1. Customer Service is very poor. the main mortgage phone number XXXX does not have a live contact person option. this is extremely frustrating and a live customer person option needs to be part of the main option menu. It took me 10 phone calls and about 1 hour of my time to actually get a live person. 
2. Property Taxes were not paid in full and I have received delinquent messages from my town. Citizens is responsible for paying all taxes and should not be receiving delinquent notices.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.